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Read guide →Short-term business loans in Portsmouth
Portsmouth limited companies and LLPs can access fast, fixed-term working capital to bridge procurement gaps and cover operational costs — 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
Portsmouth's commercial identity is shaped by its long association with the defence and maritime sectors. The city is home to a significant cluster of incorporated businesses serving the naval base and its extensive supply chain — from specialist engineering and electronics firms to professional service providers working on MOD contracts. Companies in this environment routinely carry invoice gaps of several weeks between delivering work and receiving settlement, making short-term bridge finance a functional part of cash management.
Technology and digital businesses have grown as a meaningful strand of Portsmouth's economy alongside the traditional defence cluster. Incorporated companies in software, managed services, and consultancy frequently operate on retainer or project cycles with client payment terms that do not align with monthly fixed costs — staff, infrastructure, professional subscriptions. A short, fixed-term facility covers that gap without committing the company to a revolving credit arrangement it does not need.
Portsmouth's retail and hospitality sectors serve a city with substantial resident population, tourist footfall through the Historic Dockyard, and a ferry terminal generating consistent transient trade. Incorporated businesses in these sectors face familiar timing pressures — stock purchasing ahead of peak periods, early payment demands from suppliers — that a defined short-term loan handles cleanly.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. A limited company based in Southsea, the commercial waterfront, or the outer city is assessed on the same criteria as any other applicant, with no pricing adjustment or eligibility difference based on location.
Which product fits?
Credicorp Business Loan Recommended for most needs
Portsmouth companies with predictable but misaligned payment cycles benefit from a fixed-term loan that closes the gap cleanly — borrow for a defined period, repay, and the obligation ends with no revolving line left open. The facility runs to the company, with no personal guarantee from 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 allows your limited company to split a single maintenance, supplier, or subcontractor invoice into three or four weekly instalments at a flat 6% fee, keeping cash flow steady without disrupting your company's operating position.
- 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 Portsmouth might borrow £300.00 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
Which Portsmouth businesses qualify for a Credicorp loan?
Credicorp lends exclusively to UK incorporated limited companies and LLPs. Sole traders, partnerships, and private individuals are not eligible to apply. Portsmouth's location has no bearing on the outcome — every application is assessed on the company's own financial standing, regardless of where it trades.
Is a personal guarantee required from Portsmouth company directors?
No. Credicorp does not take personal guarantees. The loan is made to the incorporated company, and directors incur no personal liability in connection with the facility.
How fast can a Portsmouth limited company get a decision?
Credicorp issues decisions on the same working day in the vast majority of cases. Applications are assessed directly against the company's profile — there is no manual queue or branch review — and approved funds are transferred to the company account promptly.
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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.