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Read the guide →Short-term lending for manufacturing businesses
Manufacturers buy raw materials and pay for a production run weeks before the finished-goods invoice is settled. Credicorp bridges that working-capital gap for UK incorporated manufacturing and light-industrial businesses — no personal guarantee, same-day decisions.
UK Ltd or LLP ae · Nae personal guarantee · Decisions maist warkin days
Recognise ony o thir?
- Raw-material orders to pay upfront before a production run can ship
- A machine or piece of tooling failing and halting the line mid-shift
- A large purchase order needing you to scale up before the customer pays on 60-day terms
- Covering a quiet period between contracts while overheads keep running
If so, a Credicorp short-term business loan could help you bridge that gap.
Whilk product fits?
Credicorp Business Loan Recommendit for this sector
Manufacturing cash flow is the lag between buying materials and running production now and being paid on the finished-goods invoice later. A fixed-term loan of £50–£500 over 14–84 days covers that defined lag at a known total cost.
- £50–£500 in ae advance
- Fixed 14–84 -day tairm
- 0.25% per day semple interest + £5 set-up fee
- Total cost cappit at 100% o principal
- Nae personal guarantee
- Maist decisions same warkin day
Credicorp Slice — split a single bill
When the need is one specific materials or tooling invoice, Credicorp Slice spreads that single bill over 3 or 4 weekly instalments at a flat 6% fee with no interest compounding.
- 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
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 yer sector
A teepical manufacturing business micht borrae £450.00 ower 56 days. Adjust the sliders tae match yer ain scenario.
This matches yer needs? Stairt yer 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.
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
Guides for yer 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 the 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 the guide →Common speirins
- Can a manufacturing company apply for a Credicorp business loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in manufacturing and light industry — small-batch, specialist and contract manufacturers. Production volume and 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.