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 recruitment and staffing agencies
Recruitment and staffing agencies pay temporary and contract workers weekly, yet the end-clients who use them settle on 30 to 60 day terms — a structural payroll gap that widens with every placement you make. Credicorp funds that gap for UK incorporated recruitment and staffing businesses — no personal guarantee, decisions most working days.
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?
- Temp and contract workers needing paying weekly while clients settle monthly or later
- Winning a larger assignment that needs more workers on payroll before any invoice clears
- A key client stretching payment terms and leaving the next payroll run exposed
- Onboarding, compliance and advertising costs to front before a placement starts billing
If so, a Credicorp short-term business loan could help you bridge that gap.
Pa gynnyrch sy'n addas?
Credicorp Flex Argymhellir ar gyfer y sector hwn
Agency payroll repeats every week against client invoices that arrive a month or more later, so a revolving facility fits better than a single advance. Credicorp Flex gives a limit of £50–£500 you can draw against to make a payroll run, repay as each client invoice settles, and redraw for the next week — no reapplying. When the need is genuinely one-off, a fixed-term loan over 14–84 days is the simpler alternative.
- Terfyn cylchdroi o £50–£500
- Tynnu, ad-dalu, ail-dynnu — heb ailymgeisio
- Cymeradwyo terfyn yr un diwrnod; tynnu ar unwaith wedi hynny
- Cyfanswm cost wedi'i gapio ar 100% o'r hyn rydych yn ei dynnu
- Dim gwarant bersonol
Credicorp Loan — one-off advance
Benthyciad sengl, tymor sefydlog o £50–£500 dros 14–84 o ddyddiau, os yw eich angen yn un-tro yn hytrach na pharhaus.
Am ein benthyciad busnesCredicorp Slice — split a single bill
When the need is one specific bill — a single large advertising, job-board or background-checking invoice — Credicorp Slice spreads that one 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 recruitment staffing nodweddiadol yn benthyca £450.00 dros 28 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 recruitment or staffing agency apply for a Credicorp business loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs running recruitment and staffing agencies — permanent, temp and contract placements across sectors. Placement volume and specialism 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.