Business insurance: what a UK micro-business actually needs
Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Read guide →Short-term lendin for online retailers
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 only · No personal guarantee · Decisions most working days
Recognise any of these?
- 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.
Which product fits?
Credicorp Flex Recommended 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.
- Revolving limit of £50–£500
- Draw, repay, redraw — without reapplying
- Same-day limit approval; instant draws thereafter
- Total cost capped at 100% of what you draw
- No personal guarantee
Credicorp Loan — one-off advance
A single, fixed-term loan of £50–£500 over 14–84 days, if your need is a one-off rather than recurring.
About our business loanCredicorp Slice — split a single bill
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 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
See the cost for your sector
A typical e commerce business might borrow £400.00 over 35 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
Guides for your business
Investments for a UK director — the basics, honestly
A first-principles guide to investing surplus money — for directors who want a sensible plan rather than a stock-tip spreadsheet.
Read guide →A founder's guide to UK startup funding — without the jargon
Grants, loans, equity, bootstrapping — the funding ladder for a UK micro-business, with honest pros and cons for each step.
Read guide →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.