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Read guide →Cash-flow lending for wholesale and distribution businesses
Wholesalers and distributors pay suppliers on short terms but sell to trade customers on 30 to 60 day terms — a structural working-capital gap that widens every time volume grows. Credicorp funds that gap for UK incorporated wholesale and distribution businesses — no personal guarantee, decisions most working days.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- A bulk stock buy that has to clear before your trade customers settle their accounts
- An importer or supplier demanding payment before your own buyers pay you
- A seasonal volume spike that needs extra inventory on the shelf right now
- A slow-paying trade account leaving you short for your next supplier run
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Flex Recommended for this sector
Wholesale buying repeats on a steady cycle, so a revolving facility fits better than a single advance. Credicorp Flex gives a limit of £50–£500 you can draw against for each purchase order, repay as your trade customers settle, and redraw for the next cycle — no reapplying. When a need is genuinely one-off, a fixed-term loan over 14–84 days is the simpler alternative.
- Revolving limit of £50–£500
- Draw, repay, redraw — without reapplying
- Same-day limit approval; instant draws thereafter
- Total cost capped at 100% of what you draw
- No personal guarantee
Credicorp Loan — one-off advance
A single, fixed-term loan of £50–£500 over 14–84 days, if your need is a one-off rather than recurring.
About our business loanCredicorp Slice — split a single bill
For one large supplier invoice — a single bulk order from an importer or manufacturer — Credicorp Slice spreads that one 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 wholesale business might borrow £450.00 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
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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 wholesale or distribution company apply for a Credicorp business loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in wholesale and distribution — importers, distributors and B2B traders supplying trade customers. Product category and territory 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.