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Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Read guide →Cash-flow lending for property maintenance and landscaping businesses
Property-care, landscaping and grounds-maintenance firms buy plants, aggregates and materials and pay crews on site long before the job or the managing-agent invoice is settled. Credicorp bridges that gap for UK incorporated property-trades businesses — no personal guarantee, same-day decisions.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Plants, turf, aggregates or materials to buy upfront before a job is paid
- A mower, digger or works vehicle breaking down mid-contract and stopping the crew
- Seasonal grounds-care peaks needing extra labour on the books before invoices clear
- A managing agent or commercial client settling on long terms while your suppliers want paying now
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 property-care and landscaping firms the squeeze is the lag between buying materials and paying crews now and being settled by the client or managing agent later. A fixed-term Credicorp loan covers that defined gap at a total cost you know upfront.
- £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 — a materials run, a plant-hire invoice or a vehicle repair — 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 property trades business might borrow £400.00 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 property maintenance or landscaping company apply for a Credicorp loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in property maintenance, landscaping and grounds care. Whether you work residential, commercial or public-sector sites 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.