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Read guide →Business loans in Birmingham
From the Jewellery Quarter to the Colmore business district, Birmingham companies juggle supplier terms, contract timing and seasonal demand. Credicorp offers short-term lending to UK incorporated businesses based in and around Birmingham — no personal guarantee, same-day decisions.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Lending to businesses in your city
Birmingham has one of the most diverse city economies in the UK. Its long manufacturing, engineering and automotive heritage sits alongside large professional-services, financial and digital sectors, a substantial wholesale and distribution base, and a busy hospitality and retail scene serving a growing city-centre population. That mix means cash-flow timing varies widely from one company to the next — a contractor in the supply chain waits on a stage payment, a Colmore-district firm fronts a project before fees land, a Bullring-adjacent retailer stocks up before a peak.
Credicorp does not lend against a postcode or a local scheme — the decision is the same wherever your company trades. What a Birmingham base tends to mean in practice is a working-capital gap: money going out on materials, stock, wages or supplier invoices before the contract, customer or client pays. A short-term business loan is built to bridge exactly that defined gap, at a total cost you know before you draw.
Regeneration around the city centre, Smithfield and the wider HS2 corridor keeps a steady flow of project and contract work moving through Birmingham’s construction, fit-out and professional-services firms — work that frequently needs funding before it pays. Whatever your sector, the eligibility and the protections below are identical: we lend to the company, not to its directors.
Which product fits?
Credicorp Business Loan Recommended for most needs
Most Birmingham businesses come to us for a fixed sum to bridge a specific, short gap — a stock buy, a materials order, a supplier bill 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 materials order, a wholesale invoice or an equipment service — 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 Birmingham might borrow £400.00 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 Birmingham 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 Birmingham address is not a pricing factor. Eligibility is based on your company's financial position and incorporation status, not its postcode. Sole traders, partnerships and consumers are not eligible.
Do Birmingham 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. If the company cannot repay, the claim sits with the company, not with individual directors.
How quickly can a Birmingham 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. If approved, funds are typically sent to the company's business bank account by the end of the same working day or the next business 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.