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Read guide →Working-capital lending for logistics and warehousing businesses
Third-party logistics, fulfilment and storage operators run agency labour and fuel weekly and fund peak-season capacity months ahead, while the retailers and clients they serve settle on 30 to 60 day terms. Credicorp bridges that structural gap for UK incorporated logistics and warehousing businesses — no personal guarantee, decisions most working days.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Agency and temporary labour to pay weekly while client invoices settle monthly or later
- Fuel, vehicle and forklift costs falling due before a haulage or fulfilment contract pays
- Funding extra racking, packaging and pick-pack capacity before a peak-season surge lands
- A 3PL or retail client paying on 30 to 60 day terms while your own suppliers want paying now
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Flex Recommended for this sector
Logistics and warehousing cash flow runs on a repeating cycle — labour, fuel and storage costs go out continuously while client settlements arrive in arrears — so a revolving facility fits better than a single advance. Credicorp Flex gives a limit you can draw against as each payroll run, fuel bill or peak ramp-up comes around, repay as clients settle, and redraw for the next cycle without reapplying. When a need is genuinely one-off — a single piece of handling equipment or a one-time mobilisation cost — a fixed-term loan over a defined period is the simpler alternative.
- 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 one specific bill — a packaging or consumables order, a forklift service invoice or a racking purchase — 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 logistics warehousing business might borrow £450.00 over 42 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 3PL, fulfilment or warehousing company apply for Credicorp lending?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs operating third-party logistics, fulfilment and storage businesses. Whether you are owner-operated or multi-site is not a pricing factor.
- 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.