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.
Darllen y canllaw →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.
Cwmni Cyf neu LLP yn y DU yn unig · Dim gwarant personol · Penderfyniadau ar y rhan fwyaf o ddyddiau gwaith
Yn adnabod unrhyw un o'r rhain?
- 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.
Pa gynnyrch sy'n addas?
Credicorp Business Loan Argymhellir ar gyfer y sector hwn
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 mewn un blaensymiad
- Sefydlog 14–84 -diwrnod o dymor
- 0.25% y dydd o log syml + £5 ffi sefydlu
- Cyfanswm cost wedi'i gapio ar 100% o'r prifswm
- Dim gwarant bersonol
- Y rhan fwyaf o benderfyniadau yr un diwrnod gwaith
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.
- Biliau o £50–£2,000
- Ffi wastad 6% o ffi — dim cyfansoddi
- 3 neu 4 rhandaliad wythnosol drwy Ddebyd Uniongyrchol
- Setlo'n gynnar a byddwn yn ad-dalu'r ffi heb ei defnyddio 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.
Gweld y gost ar gyfer eich sector
Efallai y byddai busnes property trades nodweddiadol yn benthyca £400.00 dros 42 o ddyddiau. Addaswch y llithryddion i gyd-fynd â'ch senario eich hun.
A yw hyn yn cyd-fynd â'ch anghenion? Dechrau eich cais
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.
Pwy all wneud cais?
- Cwmni cyfyngedig neu LLP yn y DU (benthyca corff-corfforaethol yn unig — nid unig fasnachwyr)
- 6+ mis o fasnachu
- Cyfrif banc busnes cyfredol yn y DU
- Gwiriad hunaniaeth cyfarwyddwr (chi, nid y cwmni, fel cynrychiolydd awdurdodedig y cwmni)
- Dim gwarant personol yn ofynnol — mae'r rhwymedigaeth yn perthyn i'r cwmni
Canllawiau ar gyfer eich busnes
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.
Darllen y canllaw →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.
Darllen y canllaw →Cwestiynau cyffredin
- 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.