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Leugh an stiùireadh →Short-term lending for garages and automotive businesses
MOT centres, repair garages and automotive businesses buy parts upfront and wait for the job to be paid. When a customer invoice is weeks away or a tool fails, Credicorp bridges the gap for UK incorporated automotive businesses.
Cuid. no LLP san RA a-mhàin · Gun bharantas pearsanta · Co-dhùnaidhean a' mhòr-chuid de làithean obrach
An aithnich thu gin dhiubh seo?
- Parts to buy upfront for a repair the customer pays for on collection
- A diagnostic tool or ramp failing and stopping work until it is fixed
- A trade or fleet customer paying monthly while your suppliers want paying now
- Stocking up on consumables before a seasonal MOT or service rush
If so, a Credicorp short-term business loan could help you bridge that gap.
Cò an toradh a fhreagras?
Credicorp Business Loan Air a mholadh airson na roinne seo
Automotive cash-flow gaps are usually the gap between buying parts now and being paid for the job shortly after. A fixed-term loan covers that specific gap at a known total cost.
- £50–£500 ann an aon airgead-toisich
- Suidhichte 14–84 -latha de theirm
- 0.25% gach latha de rèidh shimplidh + £5 cìs stèidheachaidh
- Cosgais iomlan cuibhrichte aig 100% den phrionnsapal
- Gun bharantas pearsanta
- A' mhòr-chuid de cho-dhùnaidhean an aon latha obrach
Credicorp Slice — split a single bill
For one specific bill — a parts order or an equipment service invoice — Credicorp Slice spreads it over 3 or 4 weekly instalments at a flat 6% fee with no interest compounding.
- Bilichean de £50–£2,000
- Cìs rèidh 6% cìs — gun cho-mheasgachadh
- 3 no 4 cuibhreannan seachdaineil le Fiach Dìreach
- Socraich tràth agus pàighidh sinn air ais a' chìs gun chleachdadh 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.
Faic a' chosgais airson an roinn agad
Dh'fhaodadh gnothachas automotive àbhaisteach iasad fhaighinn de £350.00 thar 28 latha. Atharraich na sleamhnagan gus a bhith a' freagairt air an t-suidheachadh agad fhèin.
A bheil seo a' freagairt air na feumalachdan agad? Tòisich an t-iarrtas agad
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.
Cò as urrainn iarrtas a chur a-steach?
- Companaidh earranta no LLP san RA (iasad corp-corporra a-mhàin — chan e luchd-malairt aonair)
- 6+ mìosan malairt
- Cunntas banca gnothachais làithreach san RA
- Sgrùdadh dearbh-aithne stiùiriche (thusa, chan e an companaidh, mar riochdaire ùghdarraichte a' chompanaidh)
- Chan eil feum air barantas pearsanta — 's ann leis a' chompanaidh a tha an dleastanas
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- Can a garage or automotive business apply for a Credicorp loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in automotive — MOT centres, repair garages, parts factors and vehicle dealers. Fleet size and specialist area are not pricing factors.
- Do companies in this sector need to provide a personal guarantee?
- No. All Credicorp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
- How quickly can a company in this sector get a lending decision from Credicorp?
- Applications are reviewed as they arrive during business hours. Credicorp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.
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.