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Read guide →Short-term business loans in Brighton & Hove
Brighton & Hove's incorporated companies can access fast working capital when trading gaps appear — 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
Brighton & Hove has cultivated one of the most diverse commercial ecosystems on the south coast, with a strong concentration of digital agencies, creative studios, and tech-led businesses alongside a significant professional and financial services presence. The city draws incorporated companies ranging from early-stage ventures to established exporters, and the pace of commercial activity is notably fast-moving — suppliers and contractors expect prompt settlement, which creates recurring short-term pressure on company cash flow.
The hospitality and events sector is a defining feature of the local economy, with conference venues, seafront operators, and independent hospitality groups trading through pronounced seasonal cycles. Incorporated businesses in these sectors frequently face gaps between high-season revenue and the fixed costs that run year-round — wages, supplier invoices, licences — making access to short-term credit a practical operational tool rather than a distress signal.
Retail and independent commerce remain a meaningful part of Brighton & Hove's trading identity. The city's high streets and quarter districts attract footfall and support a variety of incorporated retail businesses, but lease commitments, stock purchasing cycles, and supplier payment terms can all create timing mismatches that a short, fixed-term loan resolves cleanly.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. Whether your limited company is registered in Hove, the North Laine, or the city's outer commercial areas, eligibility and pricing are determined by the company's financial profile, not its location.
Which product fits?
Credicorp Business Loan Recommended for most needs
A fixed-term loan gives Brighton & Hove companies a defined repayment schedule with no revolving facility trap — borrow what you need, repay it within the agreed term, and the obligation is closed. There is no personal guarantee: the credit is extended to the incorporated company, not its directors.
- £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
Credicorp Slice lets your limited company spread a single supplier invoice or service bill across three or four weekly instalments at a flat 6% fee — useful when a one-off cost would otherwise strain your company's operating balance.
- 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 Brighton might borrow £350.00 over 30 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
Which businesses in Brighton & Hove are eligible to apply?
Credicorp lends exclusively to incorporated limited companies and LLPs registered in the UK. Sole traders, partnerships, and individual consumers are not eligible. Your company's Brighton & Hove postcode is never a factor in the decision — eligibility is assessed on the company's own financial standing.
Will Credicorp ask the directors of our Brighton company for a personal guarantee?
No. Credicorp does not require a personal guarantee from any director or shareholder. The credit facility is extended to the incorporated company, and directors carry no personal liability for repayment.
How quickly can a Brighton & Hove limited company get a decision?
Credicorp targets a same working day decision for all applications. Once approved, funds are paid directly to the company account, with no staged drawdown or branch visit required.
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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.