®
Credicorp vs invoice finance
Invoice finance advances against your whole sales ledger under a long agreement. Credicorp is a single fixed advance to bridge one gap — no ledger assignment, no lock-in, no personal guarantee.
- 1 hour Typical decision in working hours
- Same day Funding once you accept the offer
- £50–£2,000 Advanced to UK limited companies
- 100% cap Total cost of credit, capped — never repay more than double
- No PG No personal guarantee — we lend to the company
Applications reviewed by Credicorp to date: thousands of UK companies
Figures are the published product terms, resolved from our single pricing source (/ai.md). Every application is assessed on its own merits — approval is never guaranteed.
In short
Choose Credicorp to bridge one gap simply and quickly; invoice finance can suit a business that wants ongoing funding tied to a large, steady sales ledger.
Side by side
| Credicorp | Invoice finance / factoring | |
|---|---|---|
| Structure | One fixed advance for a defined need | Ongoing advances against your sales ledger |
| Commitment | No contract lock-in | Often a long-term agreement with notice periods |
| Ledger control | Your ledger stays yours | Invoices are assigned; the funder may manage collections |
| Personal guarantee | None — company is the sole obligor | Frequently required |
| Setup | Decision typically within the hour | Onboarding and due diligence can take time |
| Best for | Bridging one gap, once | Continuous funding against many invoices |
When Invoice finance / factoring may suit you better
We would rather you borrow well than borrow from us. Consider the alternative if:
- You have a large, steady ledger and want ongoing funding
- You are comfortable assigning invoices and a long agreement
Otherwise, for a fast, capped, company-only short-term need, Credicorp is built for exactly that.
What Credicorp gives you
- £50–£500 of short-term business credit, lent to the company
- No personal guarantee and no personal credit search on any director
- Total cost of credit capped at 100% — you never repay more than double
- Decision typically within the hour, same-day funding on acceptance
- Interest only for the days you borrow — settling early costs less
Your instant cost preview
Drag to your figure — see exactly what you would repay before you apply. No credit search, no obligation.
Capped at 100% of the amount borrowed.
Illustration only, not an offer or a lending decision, and not a quote personal to you. Interest is simple (no compounding) and charged only for the days you borrow, so settling early costs less. Full terms and the single pricing source: Business Loan · /ai.md.
Common questions
- How is Credicorp different from invoice finance?
- Credicorp is a single fixed advance to bridge one gap, with no ledger assignment, no long contract and no personal guarantee. Invoice finance funds against your whole ledger on an ongoing basis.
- Do I need a personal guarantee with Credicorp?
- No. Credicorp lends to the company — a UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director. The debt is the company's, not yours.
- How fast is Credicorp?
- Applications are reviewed in working hours, with a decision typically confirmed within the hour and same-day funding once you accept the offer.
Decision in minutes
Apply in minutes, get a decision typically within the hour, and have the funds the same day you accept — no personal guarantee, capped cost.
Comparisons describe the general structure of each option, not specific competitor pricing. Credicorp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the FSMA (Regulated Activities) Order 2001); this is not consumer lending, and the FOS and FSCS do not apply. Short-term business credit carries a high annualised cost — borrow only what you need, for the shortest term. Full details: regulatory status and responsible lending.
Before you go — see your cost in 5 seconds
No credit search, no obligation. Borrow £50–£500, get a decision within the hour in working hours, and same-day funding once you accept. We lend to the company — no personal guarantee.
Or use the full calculator first.