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Working capital finance for growing UK SMEs
No director’s personal guarantee required. Short‑term funding for UK limited companies and LLPs – exempt business lending built for commercial speed and cash‑f…
Business finance insights
Practical guidance on commercial lending, cash flow and funding for UK limited companies and LLPs, from Credicorp — an exempt business lender.
20 insights
Your data rights and automated lending decisions
Credicorp uses an automated decision engine to decide business-loan applications. This page explains, in plain English, what data that engine uses, what it del…
Asset and equipment finance for UK limited companies
Acquire the machinery, vehicles, and technology your business needs without draining cash reserves. Fixed-term funding tailored to your company’s position—no p…
Bridging finance for companies: short-term commercial funding
Fast, short-term commercial bridging finance from Credicorp, an exempt business lender operating outside FCA consumer-credit regulation. We fund UK limited com…
Debt-service coverage ratio (DSCR): what commercial lenders look for
The debt-service coverage ratio is one of the first numbers a commercial lender checks. This guide explains how DSCR is calculated, why it matters, and what a …
Director loans vs company borrowing: the trade-offs
When a limited company needs cash, the money can come from a director's own pocket or from an external lender. This guide compares the two routes — director's …
Business funding decisions in days, not weeks — for UK limited companies
Fast business funding decisions from Credicorp, an exempt business lender operating outside FCA consumer‑credit regulation. We assess your company directly, so…
Preparing management accounts a commercial lender will trust
Clean, current management accounts are the single fastest way to move a business finance application forward. This guide explains what a commercial lender expe…
Managing seasonal cash flow for a UK business
A practical guide for UK limited companies and LLPs on smoothing the peaks and troughs of seasonal trading — and how exempt business finance can bridge a predi…
LLP borrowing: what limited liability partnerships should know
A practical guide to how a UK limited liability partnership raises finance — how lending decisions are made against the LLP rather than its members, and where …
Speed to decision: how fast commercial funding really moves
“Fast” means different things to different lenders. Here is an honest, stage‑by‑stage look at how quickly commercial funding for a UK limited company or LLP ac…
Refinancing existing business debt: when it makes sense
Refinancing can lower your monthly cost, free up cash flow, and consolidate several facilities into one. But it only pays off when the new terms genuinely beat…
Short-term finance for a VAT bill
Bridge a quarterly VAT payment without draining your working capital. Credicorp provides exempt, short-term business finance to UK limited companies and LLPs —…
Why trading history beats a credit score in commercial lending
Credicorp is an exempt business lender to UK limited companies and LLPs. When we assess a facility we read your company's trading history — turnover, cash flow…
How exempt business lending works (Article 60B & 60L)
Credicorp is an exempt business lender: we lend only to UK limited companies and LLPs, outside FCA consumer‑credit regulation. Here is what “exempt” actually m…
Invoice finance vs a business loan — which fits a growing UK company
Two of the most common ways UK limited companies and LLPs fund growth are invoice finance and a term business loan. This guide explains how each works, where t…
Summer cashflow finance for UK limited companies
Exempt, no-personal-guarantee business lending to bridge your summer trading peak. Secure working capital for stock, seasonal staff and supplier terms — decisi…
Is business debt consolidation right for you? Cut payments 20–40% but avoid the traps
Consolidating business debts can slash monthly payments and simplify cash flow, but only if you avoid the hidden traps of extended terms and prepayment penalti…
Autumn stock‑up business finance — company‑only lending, no personal guarantee
Stock up for Q4 without draining cashflow. Get fast, flexible working‑capital finance for your UK limited company ahead of seasonal peak trading — backed by yo…
Choosing the right business loan for your UK company
Exempt business loans for UK limited companies and LLPs only. Loans from £10,000 to £250,000, with no personal guarantee required. From application to decision…