What happens if you miss a payment — our forbearance process explained
A clear walk-through of what happens in the days after a missed payment, how to ask for breathing space, and why the worst thing to do is nothing.
Life after the Lending Standards Board: voluntary standards in 2025
The Lending Standards Board is winding down, but the September 2024 Standards of Lending Practice remain authoritative. Why voluntary alignment still matters.
CCJs explained for company directors
A County Court Judgment against the company is one of the most consequential markers on a business credit file. This article explains what triggers a CCJ, what it actually means, and what you can do about one — whether you owe the debt or not.
How to read a Key Information Sheet (KIS) in 60 seconds
A page-by-page guide to the KIS document — what to look for, what each number means, and what to ask if anything looks off.
A new look for the customer portal
We have refreshed the customer portal to make it easier to track your loan, sign documents, make payments and download statements. Here is what has changed.
Credicorp Limited: who we are, and who we are not
Credicorp Limited is an independent UK lender, registered in England and Wales. We are not connected with the Peruvian Credicorp group or any similarly named overseas firm.
How business credit reference agencies decide what to share — a director’s guide
When a lender pulls your business credit file, what they're really seeing isn't one report — it's three. Here's a plain-English guide to who the UK business CRAs are, what they each know about you, and how to fix what's wrong.
The BBRS and the gap in business dispute resolution
Business borrowers have no Financial Ombudsman. The BBRS tried to fill that gap but had real limits — here is the honest picture, and why we say so.
Vulnerability in business finance — what it actually means
Vulnerability is not a label or a stigma. It is a temporary or permanent set of circumstances that change how a lender should communicate. Here is what that looks like at Credicorp.
A courier company covers an urgent vehicle repair
An anonymised case study of a limited-company courier that used a small, short-term loan to repair its van fast and keep its contracts running.
Emergency repair finance for small businesses
The boiler fails on a Tuesday. A pipe bursts in the kitchen. The delivery van blows a head gasket. Emergency repairs don't wait for ideal cashflow — and short-term finance is often the difference between trading and stopping.
CONC: why it applies to consumer, not business, credit
The FCA's CONC sourcebook sets detailed rules for consumer credit. Here is what it covers and why it does not govern lending to a company.
How we keep your data safe — a plain-English summary
A 3-minute read on the practical controls that protect customer data at Credicorp, written for a director who isn't an IT specialist.
Card payments, now simpler and more secure
We have integrated a specialist payment processor for card payments, so your card details are handled securely by the processor and never stored by us.
Equipment replacement finance — when fixing it isn’t enough
There comes a point with any piece of business equipment where the next repair costs more than the residual value. Knowing when to stop fixing and start financing a replacement is the small-business call this article is about.
Credicorp passes an early lending milestone
We have now supported more than 1,000 UK companies since we began lending. A moment to say thank you, and to restate how we try to lend responsibly.
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