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Credicorp vs business crowdfunding
Crowdfunding raises money from the public via a campaign — rewards, equity or debt — and depends on reaching your target. Credicorp is a straightforward company loan, decided and funded fast, with no campaign required.
- 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.
In short
Choose Credicorp for certainty and speed on a defined cash need; crowdfunding can suit a business with a compelling public story and time to run a campaign.
Side by side
| Credicorp | Crowdfunding | |
|---|---|---|
| Source of funds | A single direct lender — Credicorp | Many members of the public backing a public campaign |
| Certainty | A decision is a decision — funds are not conditional on a target being hit | Most models are all-or-nothing: fall short and you may receive nothing |
| What it costs you | A known, capped total cost of credit | Equity given away, rewards fulfilled, or debt repaid — plus platform fees |
| Time to funds | Decision typically within the hour, same-day funding | A campaign typically runs for weeks before funds are released |
| Effort required | One short online application | Marketing, updates and public engagement to run a campaign |
| Best for | A fast, certain, defined cash need | A product or brand story with genuine public appeal and time to spare |
When Crowdfunding may suit you better
We would rather you borrow well than borrow from us. Consider the alternative if:
- You have a consumer product or brand story that can attract public backers
- You would rather give away equity or rewards than take on debt
- You have weeks to run a campaign rather than needing cash now
Otherwise, for a fast, capped, company-only short-term need, Credicorp is built for exactly that.
What Credicorp gives you
- £50–£500 of short-term business credit, lent to the company
- No personal guarantee and no personal credit search on any director
- Total cost of credit capped at 100% — you never repay more than double
- Decision typically within the hour, same-day funding on acceptance
- Interest only for the days you borrow — settling early costs less
Your instant cost preview
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.
Common questions
- Is crowdfunding cheaper than a Credicorp loan?
- It depends on the model — reward crowdfunding gives away product, equity crowdfunding gives away a stake in the company, and debt crowdfunding charges interest. A Credicorp loan has one known, capped cost and no campaign risk.
- What happens if a crowdfunding campaign does not reach its target?
- Many platforms use an all-or-nothing model, so falling short can mean you receive nothing after weeks of effort. A Credicorp application either is or is not approved — there is no target to miss.
- Do I need a personal guarantee with Credicorp?
- No. Credicorp lends 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. The debt is the company's, not yours.
- How fast is Credicorp?
- Applications are reviewed in working hours, with a decision typically confirmed within the hour and same-day funding once you accept the offer.
Decision in minutes
Apply in minutes, get a decision typically within the hour, and have the funds the same day you accept — no personal guarantee, capped cost.
Comparisons describe the general structure of each option, not specific competitor pricing. Credicorp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the FSMA (Regulated Activities) Order 2001); this is not consumer lending, and the FOS and FSCS do not apply. Short-term business credit carries a high annualised cost — borrow only what you need, for the shortest term. 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.