Apply · Credicorp

Warning: Borrowing is for limited companies only. The company (not the director) is liable. Late or missed payments will be reported on the company's credit file and may make it harder to borrow elsewhere. Always make sure you can afford the repayments. For free debt advice visit moneyhelper.org.uk or call National Debtline on 0808 808 4000.

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Create a Credicorp account

You need an account to apply for a loan and to manage the contract afterwards. It only takes a minute.

Before you create an account

Credicorp Limited lends to UK incorporated bodies corporate (Ltd, LLP, PLC) only. You are registering as the director or officer of the borrowing company, not as a personal borrower. The director who signs is not personally liable for the loan and no personal guarantee is taken.

We collect personal identifiers (legal name, date of birth, National Insurance number) for identity verification only. They are not shared with consumer credit reference agencies. Repayment performance is reported to business credit reference agencies under your company's record.

Full legal name *

Date of birth *

Email *

Mobile number *

Nationality *

Bank details

The business account you would draw the loan into. We only store the last four of your account number and the middle of your sort code; full details go straight to the payments processor.

Bank *

Sort code *

Account number *

Password * At least 10 characters. Mix in numbers, letters and symbols.

I have read and agree to the Terms and Privacy Policy. I confirm I am applying on behalf of a UK limited company that I am the sole director of.

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We hold one account per person — checked against your email, mobile and bank account. If you have applied before, sign in to your existing account instead.

Before you apply — please read

Who can apply

This product is available only to UK incorporated bodies corporate (Ltd, LLP, PLC). The application must be made by a director, member or officer of the company with authority to bind it. You will be asked to confirm that authority during the application.

Business purpose declaration

You will be asked to declare, at signing, that the loan is being taken wholly or predominantly for the purposes of the company's trade or business. Loans taken for personal purposes — even in the company name — fall outside our lending criteria and will be recalled.

No personal guarantee

The company alone is the borrower. We do not ask for, and will not accept, a personal guarantee from the director or any other officer. If the company defaults, our recovery is against the company's assets only.

Credit checks and reporting

We perform credit checks against business credit reference agencies, including Experian Business, Creditsafe and Equifax Business. We report repayment performance to those same agencies. We do not perform consumer credit checks on directors and we do not report to consumer credit reference agencies.

Your right to withdraw

As a matter of policy — not regulatory obligation, since this is unregulated business lending — we grant a five-business-day withdrawal right from the date of drawdown. If you choose to withdraw within that period, you repay the principal plus interest accrued for the days the funds were held; the establishment fee is refunded.

Total cost cap

The total amount your company will repay under any single agreement, including interest and fees of every kind, is capped at 100% of the principal. You will never repay more than double the amount advanced on a single loan.

Complaints

If you are unhappy with any aspect of our service, please write to complaints@credicorp.co.uk in the first instance. We aim to acknowledge complaints within two business days and to provide a full response within fifteen business days.

Because this is unregulated business lending under the body-corporate exemption, disputes about this product are not eligible for the Financial Ombudsman Service. Our internal complaints process is the final stage of escalation. Companies may also have remedies through the courts.

Data protection

Personal data captured during the application (director name, contact details, identification) is processed in accordance with our privacy policy. Company data and repayment data is shared with business credit reference agencies and may be retained for up to six years after the agreement ends.