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Make the most of your biggest weeks
Christmas is make-or-break — and the stock, staff and marketing all have to be paid before the tills fill. Credicorp funds the run-up for UK incorporated companies. No personal guarantee.
UK Ltd or LLP only · No personal guarantee · Decision typically within the hour
- 1 hour Typical decision in working hours
- Same day Funding once you accept the offer
- £50–£2,000 Advanced to UK limited companies
- 100% cap Total cost of credit, capped — never repay more than double
- No PG No personal guarantee — we lend to the company
Applications reviewed by Credicorp to date: thousands of UK companies
Figures are the published product terms, resolved from our single pricing source (/ai.md). Every application is assessed on its own merits — approval is never guaranteed.
Recognise any of these?
- Peak stock must be bought and paid for weeks in advance
- Extra seasonal staff need paying before the takings land
- A December marketing push needs upfront budget
- Under-stocking the peak leaves money on the table
If any of these is you, a Credicorp short-term advance could close the gap — funded today.
Could your company borrow? Check in 30 seconds
A quick self-check against our published criteria for £50–£2,000 of short-term business credit. It is not a lending decision and collects no personal data.
Looking good
You meet the published criteria. That is not a lending decision — but you are the kind of company we lend to. A full application takes minutes and most decisions land the same working day.
Apply now — decision in minutesNot a fit yet
Based on your answers, one of the published gates is not met. You are still welcome to read how we lend, or contact us if your situation is unusual.
Pre-qualification only. It reflects the published eligibility criteria and is not a lending decision, an offer, or a credit search. The full check is at application. See how we lend.
The product that fits this need
Credicorp Flex Best fit for this need
The Christmas buy-and-sell cycle suits a revolving Flex limit — draw to buy peak stock, repay as it sells through, redraw for the next wave.
- Revolving limit of £50–£500
- Draw, repay and redraw — without reapplying
- Interest only on the balance you have drawn
- Total cost capped at 100% of what you draw
- No personal guarantee
Or spread a single bill with Credicorp Slice
For one big pre-Christmas order, Credicorp Slice spreads that single invoice into instalments.
About Credicorp SliceSee your cost for this need
Drag to your figure — see exactly what you would repay before you apply. No credit search, no obligation.
Capped at 100% of the amount borrowed.
Illustration only, not an offer or a lending decision, and not a quote personal to you. Interest is simple (no compounding) and charged only for the days you borrow, so settling early costs less. Full terms and the single pricing source: Business Loan · /ai.md.
Who can apply
- UK limited company or LLP (body-corporate lending only — not sole traders)
- A short qualifying trading period
- A current UK business bank account
- No personal guarantee required — the obligation is the company’s
Common in these sectors
Common questions
- When should I fund Christmas stock?
- As soon as your buy-in dates are set. A same-working-day decision lets you time the draw to your supplier deadlines rather than borrowing early and paying for idle days.
- Do I need to give a personal guarantee?
- No. All Credicorp lending is to the company — a UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder. The debt is the company's, not yours.
- How fast can I have the money?
- Applications are reviewed as they arrive in working hours. Credicorp aims to confirm a decision within the hour in most cases, and funds typically reach your company account the same day once you accept the offer.
- What will it cost?
- The loan sizes, the term in days, the daily interest rate, the one-off establishment fee and the total-cost-of-credit cap are the published product terms, resolved from our single pricing source. See the interactive preview above, the Business Loan page, and /ai.md — we keep one source of truth rather than restating figures.
Ready when you are
Apply in minutes. Most decisions land within the hour in working hours, with same-day funding once you accept — and no personal guarantee, ever.
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. Short-term business credit carries a high annualised cost — borrow only what you need, for the shortest term required. Full details: regulatory status and responsible lending.
Before you go — see your cost in 5 seconds
No credit search, no obligation. Borrow £50–£500, get a decision within the hour in working hours, and same-day funding once you accept. We lend to the company — no personal guarantee.
Or use the full calculator first.