Fast, short-term commercial bridging finance from Credicorp, an exempt business lender operating outside FCA consumer-credit regulation. We fund UK limited companies and LLPs directly — so you can close a time-sensitive deal now and refinance or exit in an orderly way, without a personal-credit application.
Bridging finance is short-term commercial funding designed to cover the gap between a cost your company needs to meet now and the funds you expect to receive later. Rather than waiting weeks for a longer-term facility to complete, your business borrows for a defined, short period — typically a few weeks to twelve months — and repays once the planned "exit" arrives: a sale, a refinance, a scheduled receivable, or a completed transaction.
Because Credicorp lends exclusively to UK limited companies and LLPs under Articles 60B and 60L of the FSMA (Regulated Activities) Order 2001, this is commercial lending that sits outside the FCA's consumer-credit regime. That exemption is what lets us assess your company directly and move at the speed a bridge demands — but it also means you do not receive the statutory protections a consumer-credit borrower would, so it is important to weigh the cost and the exit before you commit.
Bridging is a tool for a clear, short-term need with a credible way to repay. It is not a substitute for permanent working capital.
Every bridge is underwritten around how it will be repaid. Before we lend, we want to see a realistic, dated exit — the sale, the refinance offer, or the receivable that clears the balance. A well-defined exit keeps the facility short and the cost contained; an uncertain one is a reason to pause, not proceed.
We assess your company directly and structure the facility around your need and your exit — not a personal-credit profile.
Short-term funding is priced for speed and certainty, so a bridge generally costs more per month than a long-term facility. The way to keep the total cost low is to keep the term short: because interest accrues over the period you hold the money, exiting on time — or early — is the single biggest lever on what you pay. We show the full cost and the assumptions behind it before you commit, so you can compare it against the value of moving now versus waiting.
Loan amounts and rates depend on your company's profile, the security available, and the strength of the exit; indicative terms are set out in the Hub before you proceed. Bridging suits a defined, short-term gap — for ongoing needs, a working-capital or term facility is usually the better fit, and we will say so.
A bridge is deliberately temporary. If your need is recurring — smoothing seasonal cash flow, funding stock cycles, or financing steady growth — a longer-term arrangement will almost always be cheaper and less pressured than rolling a bridge. Use a bridge to buy time for a specific event; use a term or working-capital facility to run the business day to day. Where a bridge is the right first step, we can help you line up the longer-term facility that becomes its exit.
No. Credicorp provides exempt business lending solely to UK limited companies and LLPs under Articles 60B and 60L of the FSMA (Regulated Activities) Order 2001. It sits outside FCA consumer-credit regulation, which allows a faster, business-focused process — but it does not carry the statutory protections a consumer-credit borrower would receive.
Bridges typically run from a few weeks up to twelve months. You repay when your planned exit arrives — a sale, a refinance, or a scheduled receivable. Because cost accrues over the term, repaying on time or early keeps the total cost down.
Personal guarantees are not required for standard facilities and are assessed case by case for larger amounts or where the company financials alone do not support the structure. If any guarantee or security is needed, you will be told before you commit.
Because a bridge is short and priced monthly, a delayed exit increases the cost and can create pressure at the end of the term. That is why we underwrite the exit up front and prefer a credible, dated route to repayment. If circumstances change, contact us early so we can discuss options rather than letting a deadline pass.
Credicorp Limited (Company No. 16093826); ICO registration ZC157682. A related company of CM Beyer Limited; part of the Credicorp group. Financial year end 30 November. An exempt business lender under FSMA RAO 2001. Bridging finance is short-term commercial lending for UK limited companies and LLPs; your company's exit and affordability are assessed before any facility is offered.
