Credicorp
Cash-flow lendin biggit for retail
Seasonal peaks, late supplier invoices and slow-paying customers put retail cash flow under pressure. Credicorp offers short-term lending to UK incorporated retail businesses — no personal guarantee, same-day decisions.
Recognise ony o thir?
If so, a Credicorp short-term business loan could help you bridge that gap.
- Stock gaps afore peak tradin — Christmas, simmer, back-tae-schuil
- Suppliers demanding payment 30 days before your customers pay you
- A caird-machine failure or shopfit cost ye didna plan for
- Briggin a quait month while ye wait for a muckle order tae arrive
Whilk product fits?
A one-off business loan fits retail best when you need a specific sum to buy stock or cover a planned cost — borrow the amount, repay over 14–84 days, done.
If your need is a specific supplier invoice, Credicorp Slice splits one bill into 3 or 4 weekly instalments at a flat fee — no compounding.
Credicorp Business Loan Recommendit for this sector
A one-off business loan fits retail best when you need a specific sum to buy stock or cover a planned cost — borrow the amount, repay over 14–84 days, done.
• £50–£500 in ae advance
• Fixed 14–84 -day tairm
Credicorp Slice — split a single bill
If your need is a specific supplier invoice, Credicorp Slice splits one bill into 3 or 4 weekly instalments at a flat fee — no compounding.
• Bills o £50–£2,000
• Flat 6% fee — nae compoondin
See the cost for yer sector
A teepical retail business micht borrae £300.00 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 retail limited company apply for a Credicorp business loan?
Yes. Credicorp lends to UK incorporated limited companies and LLPs in retail — shops, stockists, market traders and online retailers. The retail sector 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.