Short-term lending for security guarding and services companies
Security guarding firms, event security companies, CCTV installation businesses and keyholding providers pay SIA-licensed officers weekly or fortnightly while commercial contracts settle monthly. Credicorp bridges that payroll gap for UK incorporated security businesses — no personal guarantee, decisions most working days.
UK Ltd or LLP ae · Nae personal guarantee · Decisions maist warkin days
Recognise ony o thir?
SIA-licensed officer payroll falling due weekly or fortnightly while client invoices take 30 days to settle
CCTV equipment, access-control hardware or body-worn cameras to purchase before a new site contract begins
SIA licensing, BSIA membership or mandatory first-aid training costs due while a contract is ramping up
A gap between two large contracts leaving a short, defined period before the next monthly payment arrives
If so, a Credicorp short-term business loan could help you bridge that gap.
Whilk product fits?
Credicorp Flex Recommendit for this sector
Security payroll gaps repeat every week — officer wages leave the account while client invoices take a month or more to clear, so a revolving facility fits better than a one-off loan. Credicorp Flex gives a limit of £50–£500 you can draw each payroll run, repay when client payments settle, and redraw for the next cycle — without reapplying.
When the need is one specific cost — a block of CCTV cameras, a single SIA licensing batch or a piece of access-control hardware — Credicorp Slice spreads that 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
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. We lend to the company, so no director signs a personal guarantee.
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
Interest can be quoted as a daily rate, a monthly rate or an APR — and the same loan can look very different depending on which you read. This guide explains how business loan interest is actually calculated so you can compare offers on a like-for-like basis.
Secured loans are backed by an asset; unsecured loans are not. That single difference changes the rate, the speed, the amount, and the risk. This guide explains how each works and when each makes sense for a UK business.
A personal guarantee makes a company director personally liable for a business debt — so if the company cannot repay, the lender can pursue the director's own assets. Lending without one keeps the borrowing where it belongs: with the company. This guide explains what a personal guarantee is, why it matters, and what no-personal-guarantee lending changes for UK directors.
Can a security guarding firm, event security company or CCTV installer apply for a Credicorp business loan?
Yes. Credicorp lends to UK incorporated limited companies and LLPs in security services — guarding firms, event security, manned access, CCTV installation, keyholding and alarm response. SIA licence status and whether your clients are commercial or public-sector are not pricing factors.
Do security companies need to provide a personal guarantee?
No. All Credicorp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
How quickly can a company in this sector get a lending decision from Credicorp?
Applications are reviewed as they arrive during business hours. Credicorp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.
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), which places the facility outside the
consumer-credit regime. The Financial Ombudsman Service and Financial Services
Compensation Scheme do not apply.
Full details: regulatory status and
responsible lending policy.
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