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Read guide →Short-term business loans in Cambridge
Cambridge's incorporated companies — from deep-tech spinouts to professional services firms — navigate a fast-moving, high-cost trading environment where timing matters more than size: Credicorp provides fixed-term business credit to limited companies and LLPs with 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
Cambridge operates at a pace rarely matched outside London. The dense cluster of life sciences, deep technology, and software companies in and around the city creates a trading environment where incorporated companies must move quickly — whether that means covering a software licence renewal, a specialist contractor invoice, or an equipment purchase before a research milestone deadline. Short-term working capital is a tool of opportunity as much as necessity.
Beyond the technology cluster, Cambridge has a significant layer of professional services firms — legal, accountancy, consultancy, and recruitment businesses — that support the innovation economy. These companies frequently carry substantial receivables against clients whose own payment cycles are stretched. A fixed-term credit facility bridges that gap without introducing ongoing revolving exposure.
The Cambridge property and construction market has remained active, with commercial fit-out, laboratory conversion, and office development all generating demand from specialist contractors and supply chain businesses incorporated locally. Supplier payment terms in this sector can be uneven, making a predictable, closed-end credit facility a cleaner option than an open line of credit.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. A company registered in central Cambridge, on the Science Park, in Trumpington, or in a village just outside the city boundary is assessed on precisely the same basis: the trading strength of the incorporated entity itself.
Which product fits?
Credicorp Flex Recommended for most needs
Cambridge's technology and professional services companies often face recurring, unpredictable working capital gaps tied to project milestones and delayed client payments — Credicorp Flex provides a revolving facility that resets as invoices clear, with no personal guarantee required from any director.
- Revolving limit of £50–£500
- Draw, repay, redraw — without reapplying
- Same-day limit approval; instant draws thereafter
- Total cost capped at 100% of what you draw
- No personal guarantee
Credicorp Loan — one-off advance
A single, fixed-term loan of £50–£500 over 14–84 days, if your need is a one-off rather than recurring.
About our business loanCredicorp Slice — split a single bill
Credicorp Slice allows your limited company to split a single software licence, professional subscription, or supplier invoice over three or four weekly instalments at a flat 6% fee.
- 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 Cambridge might borrow £500.00 over 28 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
Are Cambridge spinouts and early-stage limited companies eligible to apply?
Eligibility requires incorporation at Companies House as a limited company or LLP — sole traders and partnerships do not qualify. Early-stage incorporated companies may apply; the assessment is based on the company's own trading profile and repayment capacity, not its age or the sector it operates in.
Does being located in Cambridge's technology cluster affect pricing?
No. Credicorp does not vary its pricing or terms by location, sector cluster, or postcode. The credit decision and cost are based solely on your incorporated company's financial position — the same terms apply whether your office is on the Science Park, in the city centre, or elsewhere in the UK.
How fast is the decision for a Cambridge limited company?
Decisions are issued on the same working day the application is submitted. Funds go directly to your company's business account, and no director is asked to provide a personal guarantee at any point in the process.
Guides for your business
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Read guide →Explore more
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.