E-commerce businesses need working capital to buy inventory weeks before it sells. Credicorp gives UK incorporated online retailers a fast, simple lending decision.
UK Ltd or LLP ae · Nae personal guarantee · Decisions maist warkin days
Recognise ony o thir?
Buyin aheid o Black Friday, Prime Day or seasonal peaks
Supplier MOQs that need a bigger ootlay than yer current balance
Fulfillin a sudden spike in orders afore revenue clears
Platform peyoot delays leavin a warkin-capital gap
If so, a Credicorp short-term business loan could help you bridge that gap.
Whilk product fits?
Credicorp Flex Recommendit for this sector
E-commerce inventory cycles are regular an repeatin. Credicorp Flex — a revolvin credit limit — lets ye draw, pey back, an redraw as ilka buyin cycle comes aroon, wioot reapplyin.
For a specific muckle supplier invoice — a big stock order frae ae supplier — Credicorp Slice spreads that ae bill at a flat fee wi nae interest compoondin.
Bills o £50–£2,000
Flat 6% fee — nae compoondin
3 or 4 weekly instalments bi Direct Debit
Settle early an we refund the unuised fee pro rata
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. We lend to the company, so no director signs a personal guarantee.
Wha can pit in?
UK leemitit company or LLP (body-corporate lendin anely — no sole traders)
6+ months tradin
Current UK business bank accoont
Director identity check (you, no the company, as the company's authorised representative)
Nae personal guarantee requirt — the obligation is the company's
Interest can be quoted as a daily rate, a monthly rate or an APR — and the same loan can look very different depending on which you read. This guide explains how business loan interest is actually calculated so you can compare offers on a like-for-like basis.
Secured loans are backed by an asset; unsecured loans are not. That single difference changes the rate, the speed, the amount, and the risk. This guide explains how each works and when each makes sense for a UK business.
A personal guarantee makes a company director personally liable for a business debt — so if the company cannot repay, the lender can pursue the director's own assets. Lending without one keeps the borrowing where it belongs: with the company. This guide explains what a personal guarantee is, why it matters, and what no-personal-guarantee lending changes for UK directors.
Can an e-commerce or online retail company apply for a Credicorp loan?
Yes. Credicorp lends to UK incorporated limited companies and LLPs selling online — whether on Amazon, Etsy, Shopify or your own site. The platform and revenue mix 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), which places the facility outside the
consumer-credit regime. The Financial Ombudsman Service and Financial Services
Compensation Scheme do not apply.
Full details: regulatory status and
responsible lending policy.
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