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Credicorp vs peer-to-peer business lending
Peer-to-peer platforms match your loan to individual or institutional investors, which can mean a longer listing and funding process. Credicorp lends its own capital directly, with a 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.
In short
Choose Credicorp when you need a fast, certain decision; a P2P platform can suit a business happy to wait for investor funding to be matched and released.
Side by side
| Credicorp | A peer-to-peer lending platform | |
|---|---|---|
| Who lends | Credicorp lends its own capital directly | Individual and institutional investors, matched via the platform |
| Funding certainty | A decision is a decision — no separate investor-matching step | Your loan may need to be fully funded by investors before it pays out |
| Speed | Decision typically within the hour, same-day funding | Listing, investor matching and funding can take days to weeks |
| Personal guarantee | None — company is the sole obligor | Frequently required by platform lending criteria |
| Cost structure | Total cost known up front and capped | Rate can depend on investor risk-pricing and platform fees |
| Best for | An urgent or short, defined need | A less time-critical loan where you can wait for funding |
When A peer-to-peer lending platform may suit you better
We would rather you borrow well than borrow from us. Consider the alternative if:
- Your funding need is not time-critical and you are comfortable waiting for investor matching
- You want a longer repayment term than a short-term facility offers
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
- What is the main difference between Credicorp and a P2P lender?
- Credicorp lends its own money directly — the decision is the funding. A peer-to-peer platform must match your loan to individual or institutional investors first, which adds a step and can add time.
- 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.