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 →Iasad geàrr-ùine do ghnìomhachasan aoigheachd
Restaurants, cafes, bars and hotels face unpredictable demand and high fixed costs. When a large order lands or equipment breaks, you need a quick decision — not a six-week bank queue.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Tha deireadh-seachdain trang ag iarraidh stocadh suas mus buail an t-airgead an cunntas agad
- Feumaidh fàiligeadh uidheamachd cidsin ann am meadhan seirbheis càradh èiginneach
- Tha gleidheadh dìnneir phrìobhaideach ag iarraidh caitheamh mòr air solaraiche ro làimh
- A' còmhdach thuarastalan ann am Faoilleach sàmhach às dèidh cabhaig na Nollaige
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Business Loan Recommended for this sector
Gu tric feumaidh gnìomhachasan aoigheachd suim stèidhichte gu luath. Bheir iasad gnìomhachais Credicorp dhut suim shuidhichte air a pàigheadh air ais thar teirm stèidhichte — sìmplidh, gun ribe ath-thionndaidh.
- £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
Credicorp Slice is ideal for spreading a specific supplier invoice — food distributor, linen hire, equipment service contract — over 3 or 4 weekly payments.
- 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 hospitality business might borrow £250.00 over 28 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.