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Read guide →Short-term lending for food and drink producers
Food and drink producers — craft bakers, brewers, distillers, roasters, preserve makers and small-batch manufacturers — pay for ingredients, packaging and a production run long before the wholesale or retail invoice is settled. Credicorp bridges that working-capital gap for UK incorporated food and drink production businesses — no personal guarantee, same-day decisions.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Ingredients and packaging to buy upfront before a production run can ship
- A seasonal run — Christmas hampers, summer drinks, a festival order — needing a large outlay all at once
- A stockist or wholesaler paying on 30 to 60 day terms while your suppliers want paying now
- An oven, fermenter, still or packing line failing and halting production mid-batch
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Business Loan Recommended for this sector
For a food or drink producer the gap is the lag between paying for ingredients, packaging and a production run now and being paid on the wholesale or retail invoice later. A fixed-term Credicorp loan covers that defined run at a total cost you know from the outset.
- £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
When the need is one specific bill — an ingredients order, a packaging run or an equipment service — Credicorp Slice spreads that single bill over 3 or 4 weekly instalments at a flat 6% fee with no interest compounding.
- 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 for your sector
A typical food drink production business might borrow £400.00 over 56 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 →Common questions
- Can a food or drink producer apply for a Credicorp business loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in food and drink production — craft bakers, brewers, distillers, roasters and small-batch manufacturers. Production volume and route to market 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.