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Leugh an stiùireadh →Short-term business loans in Aberdeen
Aberdeen's incorporated companies trade in a market shaped by the energy sector's project-based payment rhythms, where short-term cash-flow gaps are common and speed matters — no personal guarantee, same-day decisions. £50–£500 over 14–84 days.
Cuid. no LLP san RA a-mhàin · Gun bharantas pearsanta · Co-dhùnaidhean a' mhòr-chuid de làithean obrach
Lending to businesses in your city
Aberdeen's commercial character is defined by the energy industry — oil, gas and, increasingly, offshore wind and decommissioning. The supply chain supporting these sectors is extensive and reaches well beyond engineering into specialist logistics, environmental consultancy, legal services and precision manufacturing. Companies in this chain routinely wait on milestone or purchase-order settlements from major operators, creating predictable but sharp cash-flow gaps that a short fixed-term advance can bridge cleanly.
The city also supports a substantial professional and financial-services sector, and a retail and hospitality economy centred on Union Street and the broader city-centre. Companies in these sectors face the same dynamic as anywhere: costs fall on fixed dates, but revenue and client payments do not. A supplier payment, a vehicle hire or a short-staffing agency bill can create a gap that is inconvenient but entirely temporary.
Aberdeen's market can move quickly when energy commodity conditions shift — companies may need to scale up procurement or mobilise resources at short notice ahead of a confirmed contract. In that context, a same-day credit decision and next-day funding means the company can act without waiting for internal reserves to be freed up or a bank approval cycle to complete.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. A limited company registered in Aberdeen, Westhill or the surrounding Aberdeenshire market towns is assessed on the same criteria, and location does not affect the rate or terms offered.
Cò an toradh a fhreagras?
Credicorp Business Loan Recommended for most needs
Aberdeen companies in the energy supply chain benefit from a fixed-term loan with a defined repayment date they can align to a project milestone or operator payment — predictable, no revolving balance, and no personal guarantee required from directors.
- £50–£500 ann an aon airgead-toisich
- Suidhichte 14–84 -latha de theirm
- 0.25% gach latha de rèidh shimplidh + £5 cìs stèidheachaidh
- Cosgais iomlan cuibhrichte aig 100% den phrionnsapal
- Gun bharantas pearsanta
- A' mhòr-chuid de cho-dhùnaidhean an aon latha obrach
Credicorp Slice — split a single bill
Credicorp Slice lets an Aberdeen limited company spread a single trade or services invoice across three or four weekly instalments at a flat 6% fee, useful when a supplier requires upfront payment before an operator settles.
- Bilichean de £50–£2,000
- Cìs rèidh 6% cìs — gun cho-mheasgachadh
- 3 no 4 cuibhreannan seachdaineil le Fiach Dìreach
- Socraich tràth agus pàighidh sinn air ais a' chìs gun chleachdadh pro rata
Find your fit
Pick the borrowing that fits your business
Tell us what you need and roughly how much. We’ll point you to the right product — it’s a guide to help you choose, not a lending decision or a quote.
See the cost of a business loan
A typical business in Aberdeen might borrow £500.00 thar 42 latha. Atharraich na sleamhnagan gus a bhith a' freagairt air an t-suidheachadh agad fhèin.
A bheil seo a' freagairt air na feumalachdan agad? Tòisich an t-iarrtas agad
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.
Cò as urrainn iarrtas a chur a-steach?
- Companaidh earranta no LLP san RA (iasad corp-corporra a-mhàin — chan e luchd-malairt aonair)
- 6+ mìosan malairt
- Cunntas banca gnothachais làithreach san RA
- Sgrùdadh dearbh-aithne stiùiriche (thusa, chan e an companaidh, mar riochdaire ùghdarraichte a' chompanaidh)
- Chan eil feum air barantas pearsanta — 's ann leis a' chompanaidh a tha an dleastanas
Ceistean cumanta
Which Aberdeen businesses qualify for a Credicorp loan?
Credicorp lends to incorporated limited companies and LLPs registered and actively trading in the UK, including those based in Aberdeen and the surrounding area. Sole traders, partnerships and individual applicants are not eligible. Aberdeen's postcode does not affect eligibility or pricing — the underwriting criteria are identical across the UK.
Is a personal guarantee required from Aberdeen company directors?
No. The facility is extended to the company, not to its directors personally. Directors are not asked to provide a personal guarantee and have no personal liability for repayment of a Credicorp loan.
How fast is the credit decision for Aberdeen limited companies?
Credicorp targets a same working-day decision for all applications. Most Aberdeen applicants receive a decision and, if approved, funds within the same working day or the next, depending on submission time and bank processing.
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Credicorp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001). This is not consumer lending. The Financial Ombudsman Service and Financial Services Compensation Scheme do not apply. Full details: regulatory status and responsible lending policy.