Credicorp
Summer cashflow finance for UK limited companies
Exempt, no-personal-guarantee business lending to bridge your summer trading peak. Secure working capital for stock, seasonal staff and supplier terms — decision often within a few hours, funds transferred within 24.
When your main trading season arrives, cashflow is everything. Our summer cashflow business finance provides UK limited companies and LLPs with timely, exempt working-capital lending — no personal guarantee required, no consumer-credit regulation.
Why your business needs cashflow this summer
Peak trading requires upfront investment. Many hospitality and retail businesses invest 30-50% of their peak-month revenue ahead of time — in stock, marketing and staffing — while supplier payment terms tighten.
Seasonal costs come early. Seasonal hiring, temporary pop-ups and summer-themed campaigns all require cash before your increased revenue arrives.
A short-term facility lets you trade at full capacity now, avoiding deferred orders or understaffing, and repay in 3-6 months from summer profits.
How summer cashflow funding is used
- Bridge supplier invoices — secure seasonal stock ahead of the peak without stretching your reserves.
- Cover seasonal payroll — hire temporary summer staff, pay overtime or bring forward wages.
- Finance a pop-up, event or summer promotion — upfront costs for fit-out, marketing materials, licensing.
- Smooth a VAT or corporation-tax payment that falls during your busiest trading weeks.
- Lock in early-bird rates for autumn inventory while your summer cash is tied up in operations.
What Credicorp offers
Exempt business lending
Exclusively for UK limited companies and LLPs in any sector — outside FCA consumer-credit regulation (Articles 60B & 60L, FSMA RAO 2001).
No personal guarantee
Your personal assets remain separate. Liability is limited to your company.
Fast application & transfer
Decision within a few working hours (Mon–Fri, 9-5). Funds transferred within 24 hours of approval, often faster if approved before 2 p.m.
Clear, fixed-cost terms
No arrangement fees, no early-repayment penalties. Repayment over a typical 3-6 month term, aligned with summer cashflow. Exact terms are personalised to your turnover, sector and credit profile.
Apply now for summer readiness
- Check your eligibility — your business must be a UK limited company or LLP, trading for at least six calendar months, with a business bank account.
- Complete the short online application — basic company details and recent bank-statement data.
- Receive a provisional decision quickly — usually within a few working hours, subject to credit approval.
- If approved, sign the facility agreement electronically — the full amount is transferred directly to your business account with no waiting period.
- Use the capital immediately — the facility is available at once, with no draw-down window.
More insights
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.