Credicorp
Working-capital lending for logistics and warehousing businesses
Third-party logistics, fulfilment and storage operators run agency labour and fuel weekly and fund peak-season capacity months ahead, while the retailers and clients they serve settle on 30 to 60 day terms. Credicorp bridges that structural gap for UK incorporated logistics and warehousing businesses — no personal guarantee, decisions most working days.
Recognise ony o thir?
If so, a Credicorp short-term business loan could help you bridge that gap.
- Agency and temporary labour to pay weekly while client invoices settle monthly or later
- Fuel, vehicle and forklift costs falling due before a haulage or fulfilment contract pays
- Funding extra racking, packaging and pick-pack capacity before a peak-season surge lands
- A 3PL or retail client paying on 30 to 60 day terms while your own suppliers want paying now
Whilk product fits?
Credicorp Flex Recommendit for this sector
Logistics and warehousing cash flow runs on a repeating cycle — labour, fuel and storage costs go out continuously while client settlements arrive in arrears — so a revolving facility fits better than a single advance. Credicorp Flex gives a limit you can draw against as each payroll run, fuel bill or peak ramp-up comes around, repay as clients settle, and redraw for the next cycle without reapplying. When a need is genuinely one-off — a single piece of handling equipment or a one-time mobilisation cost — a fixed-term loan over a defined period is the simpler alternative.
• Revolvin leemit o £50–£500
• Draw, repey, redraw — wioot reapplyin
• Same-day leemit approval; instant draws efterhin
• Total cost cappit at 100% o whit ye draw
• Nae personal guarantee
Credicorp Loan — one-off advance
A single, fixed-term loan o £50–£500 ower 14–84 days, gif yer need is a ane-aff raither nor recurrin.
Credicorp Slice — split a single bill
For one specific bill — a packaging or consumables order, a forklift service invoice or a racking purchase — Credicorp Slice spreads that single bill over 3 or 4 weekly instalments at a flat 6% fee, with no interest compounding.
• Bills o £50–£2,000
• Flat 6% fee — nae compoondin
• 3 or 4 weekly instalments bi Direct Debit
• Settle early an we refund the unuised fee pro rata
See the cost for yer sector
A teepical logistics warehousing business micht borrae £450.00 ower 42 days. Adjust the sliders tae match yer ain scenario.
Total cost haes been cappit at 100% o the amoont borraed.
This matches yer needs? Stairt yer application
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. There is no personal guarantee; lending is to the company.
Business Lendin
Total cost haes been cappit at 100% o the amoont borraed.
Wha can pit in?
- UK leemitit company or LLP (body-corporate lendin anely — no sole traders)
- 6+ months tradin
- Current UK business bank accoont
- Director identity check (you, no the company, as the company's authorised representative)
- Nae personal guarantee requirt — the obligation is the company's
Guides for yer business
Business insurance: what a UK micro-business actually needs
Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Investments for a UK director — the basics, honestly
A first-principles guide to investing surplus money — for directors who want a sensible plan rather than a stock-tip spreadsheet.
UK startup funding guide for founders — no jargon
A startup funding guide for UK founders: grants, loans, equity, bootstrapping — the funding ladder for a micro-business, with honest pros and cons for each step.
Common speirins
Can a 3PL, fulfilment or warehousing company apply for Credicorp lending?
Yes. Credicorp lends to UK incorporated limited companies and LLPs operating third-party logistics, fulfilment and storage businesses. Whether you are owner-operated or multi-site is not a pricing factor.
Do companies in this sector need to provide a personal guarantee?
No. All Credicorp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
How quickly can a company in this sector get a lending decision from Credicorp?
Applications are reviewed as they arrive during business hours. Credicorp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.
Lending for other sectors
Ready when your company is
A 5-minute application. AI decision in minutes, confirmed by a real underwriter. Same-day funding on approval. No personal guarantee.