If you have applied with us before — and the previous loan was managed in good standing — we treat that as the starting point for a fresh application, not as a blank page. The full new-customer flow is not needed.
What is re-used
- Your identity and director details, with a quick confirmation that nothing has changed.
- The company details, with a quick check against Companies House to refresh anything that has.
- Your contact information, where you have asked us to keep it.
What we still need
- Fresh bank statements (or a fresh Open Banking connection) covering the most recent six months — affordability is always assessed on current data.
- Confirmation of the new loan purpose and the amount you want to borrow.
- A new Key Information Sheet (KIS) and a new Business Loan Agreement to sign — every loan is its own agreement, even if the company is the same.
The whole returning-customer flow typically takes a few minutes inside the portal, and the decision tends to be quicker because the picture is already familiar to our credit team.
Still need help with this?
If this article has not answered your question, you can send us a request using one of our online forms, visit the Support page, or email us at support@credicorp.co.uk.