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Read guide →Short-term business loans in Bath
Bath's incorporated companies range from tourism and independent retail in the historic centre to a growing creative and professional-services base — Credicorp offers short-term lending to UK incorporated Bath businesses, no personal guarantee, same-day decisions. £50–£500 over 14–84 days.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Lending to businesses in your city
Bath's compact, UNESCO World Heritage city centre runs on tourism, independent retail and a dense hospitality scene, from the streets around the Abbey and Pump Rooms to the wider shopping district. Incorporated operators here contend with high commercial rents, a strong but seasonal visitor pattern, and supplier bills that fall due before a quieter week's takings clear.
Beyond the historic core, Bath has a well-established professional-services and creative sector — architects, publishers, design studios and consultancies — many spun out of or adjacent to the University of Bath, alongside a cluster of advanced engineering firms in the wider Bath and North East Somerset area. Project billing on long client terms is the norm, and covering costs between milestones is a familiar squeeze.
A shop restocking before a bank-holiday weekend, a guesthouse bridging a quiet month, or a studio fronting a project before a client invoice settles all face the same timing problem. A short, fixed-term loan closes a defined gap of that kind without a long-term commitment.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. A limited company registered in Bath city centre, Oldfield Park or the surrounding area is assessed on exactly the same basis as anywhere else in the UK.
Which product fits?
Credicorp Business Loan Recommended for most needs
Most Bath businesses come to us for a fixed sum to bridge a specific, short gap — a seasonal stock buy, a quiet-month shortfall or a project cost — until known income lands. A fixed-term Credicorp business loan covers that defined gap at a total cost you know from the outset, with no revolving trap and no personal guarantee.
- £50–£500 in one advance
- Fixed 14–84 -day term
- 0.25% per day simple interest + £5 establishment fee
- Total cost capped at 100% of principal
- No personal guarantee
- Most decisions same working day
Credicorp Slice — split a single bill
If the need is one specific bill — a wholesale order or a professional-services invoice — Credicorp Slice spreads that single bill over 3 or 4 weekly instalments at a flat 6% fee with no interest compounding.
- Bills of £50–£2,000
- Flat 6% fee — no compounding
- 3 or 4 weekly instalments by Direct Debit
- Settle early and we refund the unused fee 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 Bath might borrow £350.00 over 42 days. Adjust the sliders to match your own scenario.
This matches your needs? Start your 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.
Who can apply?
- UK limited company or LLP (body-corporate lending only — not sole traders)
- 6+ months trading
- Current UK business bank account
- Director identity check (you, not the company, as the company's authorised representative)
- No personal guarantee required — the obligation is the company's
Common questions
Can Bath limited companies apply for a Credicorp short-term business loan?
Yes. Credicorp lends to UK incorporated limited companies and LLPs regardless of where the company is based or trades. A Bath address is not a pricing factor.
Do Bath businesses need to provide a personal guarantee?
No. Credicorp lends to the company itself — there is no personal guarantee and no personal liability for directors.
How quickly can a Bath business get a lending decision?
Applications are reviewed as they arrive during business hours and we aim to make a credit decision the same working day.
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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.