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Read guide →Short-term business loans in Guildford
Guildford's incorporated companies span gaming, technology and professional services on the M25/A3 corridor — Credicorp offers short-term lending to UK incorporated Guildford 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
Guildford has one of the UK's best-known video-games development clusters, alongside a dense base of technology, telecoms and professional-services firms drawn by its location on the A3/M25 corridor and proximity to the University of Surrey. Incorporated studios and tech firms typically fund a development milestone or contractor costs before a publisher or client invoice settles.
The town centre also supports a strong independent retail and hospitality scene serving a wealthy commuter catchment, with the usual seasonal stocking and staffing squeeze ahead of a peak.
A games studio funding a milestone before a publisher pays, or a retailer stocking up before a peak weekend, both face the same underlying gap — a short, fixed-term loan closes it cleanly.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. A limited company registered in Guildford or the wider Surrey area is assessed on exactly the same basis as anywhere else in the UK, with no personal guarantee.
Which product fits?
Credicorp Business Loan Recommended for most needs
Most Guildford businesses need a fixed sum to bridge a specific, short gap — a development or contractor cost, or a seasonal stock buy — until a client or publisher payment 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 software licence or contractor 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 Guildford 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 Guildford 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 Guildford address is not a pricing factor.
Do Guildford 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 Guildford 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.