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.
Read guide →Benthyca llif arian wedi'i adeiladu ar gyfer manwerthu
Seasonal peaks, late supplier invoices and slow-paying customers put retail cash flow under pressure. Credicorp offers short-term lending to UK incorporated retail businesses — no personal guarantee, same-day decisions.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Bylchau stoc cyn masnachu brig — Nadolig, haf, yn ôl i'r ysgol
- Suppliers demanding payment 30 days before your customers pay you
- Methiant peiriant cardiau neu gost gosod siop na chynlluniwyd amdani
- Pontio mis tawel tra byddwch yn aros i archeb fawr gyrraedd
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Business Loan Recommended for this sector
A one-off business loan fits retail best when you need a specific sum to buy stock or cover a planned cost — borrow the amount, repay over 14–84 days, done.
- £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
If your need is a specific supplier invoice, Credicorp Slice splits one bill into 3 or 4 weekly instalments at a flat fee — no 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
See the cost for your sector
A typical retail business might borrow £300.00 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 →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.