Our approach to lending fairly: how we assess affordability, why we lend to the company rather than taking a personal guarantee from its director, and how we support customers who run into difficulty. Responsible lending is something we choose and maintain ourselves, and these articles set out how.
18 articles
Underwriters assess a young company with no borrowing record from different evidence. What a thin file actually is, what underwriters read instead, and which of those signals a director can improve.
Credicorp's business loan carries no personal guarantee and no director liability. Every loan is to the limited company. Here is what that means day to day.
If your business loan application is declined in the UK, you have the right to a plain-English explanation and a human review. Here is what a Credicorp decline looks like, what it means, and what to do next.
Most UK small-business lenders require a personal guarantee from the director. Credicorp does not. Here is what a personal guarantee actually means, and the deliberate decision we made to lend to the company — not the person.
Daily-rate pricing is unusual on personal credit but common on short-term business finance. Here is exactly how we charge interest, what the cap means, and a worked example.
Open Banking can speed up a lending decision in the UK by minutes. Here is what we look at when you connect it, what we do not, and how to disconnect when you are done.
How your Flex limit is set when you first open the facility, what triggers a review, and the borrower-side and lender-side guardrails that keep the limit appropriate to your actual cashflow.
Most loan agreements are unreadable on purpose. Credicorp's are not. This article explains the specific design decisions that make our documents readable — and the evidence that readability changes borrower outcomes.
Our approach puts affordability before algorithms. Every borderline case at Credicorp is reviewed by a credit analyst — going beyond consumer credit affordability software alone — and every adverse decision carries a plain-English explanation.
ESG reporting standards were built for FTSE-100 firms. As a focused UK lender within the CM Beyer group we still have an ESG footprint and an ESG opportunity. Here is what we actually do across environment, social, and governance — without the marketing gloss.
Most small businesses don't need a lump sum — they need a buffer. Credicorp Flex is a revolving credit facility you only pay interest on while you're actually drawn. Here is how it works and where it fits.
Business lending sits outside the FCA's Consumer Duty regime, but we apply the four outcomes voluntarily. Here is how the price-and-value, products-and-services, consumer-understanding and consumer-support tests show up at Credicorp.
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