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 →Short-term lending for couriers and logistics firms
Couriers, hauliers and delivery firms earn by keeping vehicles on the road. When a van fails or fuel and maintenance bills land before a contract pays, a quick decision keeps you running. Credicorp lends to UK incorporated transport businesses.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- A vehicle off the road needing an urgent repair before contracts are missed
- Fuel, insurance or maintenance bills due before a delivery contract pays
- Hiring a second driver to cover a busy period before the extra revenue clears
- A regular client paying monthly while your own costs run weekly
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Business Loan Recommended for this sector
Transport cash-flow gaps are usually a specific, time-critical cost — a repair or a bill due now, with contracted income arriving shortly after. A fixed-term loan matches that gap exactly.
- £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
For one specific bill — a vehicle service invoice, a tyre or parts order — Credicorp Slice spreads it over 3 or 4 weekly instalments at a flat 6% fee, 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 transport business might borrow £350.00 over 28 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 courier or haulage company apply for a Credicorp loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in transport — couriers, hauliers, same-day delivery firms and freight operators. Fleet size and contract type 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.