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Read the guide →Short-term business loans in London
London-incorporated companies carry some of the highest fixed costs in the country — commercial rent, payroll and supplier deposits all fall due long before clients settle. Credicorp offers short-term lending to UK limited companies and LLPs trading in London — no personal guarantee, same-day decisions. £50–£500 over 14–84 days.
UK Ltd or LLP ae · Nae personal guarantee · Decisions maist warkin days
Lending to businesses in your city
London runs on high fixed overheads. Commercial rent, business rates and payroll land on a fixed day each month whether or not your own invoices have cleared — and few cities front more cost before income arrives.
Late payment is a London constant. Agencies, contractors, creative studios and suppliers routinely wait on 30, 60 or even 90-day client terms while their own costs run weekly, opening a working-capital gap that has to be bridged.
The pace of the city rewards speed. A supplier deposit, a short-notice opportunity, a quarter's rent or an urgent repair often cannot wait for a six-week bank credit committee — a same-day decision keeps the work moving.
From the City and Canary Wharf to Shoreditch, Soho, Croydon and the outer boroughs, the cash-flow shape is the same: money goes out before it comes in. Credicorp does not lend against a postcode — the decision is identical wherever your company trades — but that London gap is exactly what a short-term business loan is built to bridge.
Whilk product fits?
Credicorp Business Loan Recommended for most needs
A London business usually needs a specific sum to bridge a specific gap — a quarter's rent, a payroll run, a supplier deposit — until a known payment lands. A fixed-term Credicorp business loan covers that defined gap at a total cost you know from the outset, with no revolving trap and no personal guarantee.
- £50–£500 in ae advance
- Fixed 14–84 -day tairm
- 0.25% per day semple interest + £5 set-up fee
- Total cost cappit at 100% o principal
- Nae personal guarantee
- Maist decisions same warkin day
Credicorp Slice — split a single bill
When the need is one specific bill — a quarterly rent demand, a software or licence renewal, or a single large supplier invoice — Credicorp Slice spreads that one bill over 3 or 4 weekly instalments at a flat 6% fee, with no interest compounding.
- Bills o £50–£2,000
- Flat 6% fee — nae compoondin
- 3 or 4 weekly instalments bi Direct Debit
- Settle early an we refund the unuised fee pro rata
Find your fit
Pick the borrowing that fits your business
Tell us what you need and roughly how much. We’ll point you to the right product — it’s a guide to help you choose, not a lending decision or a quote.
See the cost of a business loan
A typical business in London might borrow £450.00 ower 56 days. Adjust the sliders tae match yer ain scenario.
This matches yer needs? Stairt yer application
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. There is no personal guarantee; lending is to the company.
Wha can pit in?
- UK leemitit company or LLP (body-corporate lendin anely — no sole traders)
- 6+ months tradin
- Current UK business bank accoont
- Director identity check (you, no the company, as the company's authorised representative)
- Nae personal guarantee requirt — the obligation is the company's
Common speirins
Can London limited companies apply for a Credicorp short-term business loan?
Yes. Credicorp lends to UK incorporated limited companies and LLPs regardless of where the company is based or trades. A London address is not a pricing factor. Eligibility is based on your company's financial position and incorporation status, not its postcode. Sole traders, partnerships and consumers are not eligible.
Do London businesses need to provide a personal guarantee?
No. Credicorp lends to the company itself — there is no personal guarantee and no personal liability for directors. If the company cannot repay, the claim sits with the company, not with individual directors.
How quickly can a London business get a lending decision?
Applications are reviewed as they arrive during business hours and we aim to make a credit decision the same working day. If approved, funds are typically sent to the company's business bank account by the end of the same working day or the next business day.
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Business loans in other UK cities
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. Full details: regulatory status and responsible lending policy.