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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 ae · Nae personal guarantee · Decisions maist warkin days
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.
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.
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.
Find your fit
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.
A typical business in Bath might borrow £350.00 ower 42 days. Adjust the sliders tae match yer ain scenario.
This matches yer needs? Stairt yer 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. Because we lend to the company, no director signs a personal guarantee.
Yes. Credicorp lends to UK limited companies and LLPs, wherever in the UK they are based or trade. A Bath address is not a pricing factor.
No. Credicorp lends to the company itself — there is no personal guarantee and no personal liability for directors.
Applications are reviewed as they arrive during business hours and we aim to make a credit decision the same working day.
Interest can be quoted as a daily rate, a monthly rate or an APR — and the same loan can look very different depending on which you read. This guide explains how business loan interest is actually calculated so you can compare offers on a like-for-like basis.
Read the guide →Secured loans are backed by an asset; unsecured loans are not. That single difference changes the rate, the speed, the amount, and the risk. This guide explains how each works and when each makes sense for a UK business.
Read the guide →A personal guarantee makes a company director personally liable for a business debt — so if the company cannot repay, the lender can pursue the director's own assets. Lending without one keeps the borrowing where it belongs: with the company. This guide explains what a personal guarantee is, why it matters, and what no-personal-guarantee lending changes for UK directors.
Read the guide →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), which puts this lending outside the consumer-credit regime. The Financial Ombudsman Service and Financial Services Compensation Scheme do not apply. Full details: regulatory status and responsible lending policy.
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