Why we lend to companies, not directors — and what it means for you
Credicorp's borrowers are limited companies and LLPs, not the people who run them. This article explains the practical consequences for the director who signs.
Worried about money? Please talk to us early
If you think you may miss a payment, the most important thing you can do is tell us before it happens. Here is what help is available.
Why I started Credicorp
Our founder on the idea behind Credicorp: understand the business first, look beyond credit history, and lend to the company rather than the person.
Supplier deposit finance — why early payment beats waiting
A 5-10% supplier deposit on a £20,000 order is a £1,000-£2,000 cashflow ask. When the alternative is paying the full £20,000 in 60 days, short-term deposit finance often costs less than waiting.
Understanding the 100% cost cap on a Credicorp business loan
A plain-English explanation of the cap we apply to every loan — what it means, how it interacts with interest and fees, and why we offer it.
Consumer Duty, one year on: what it changed for consumer lenders
The FCA's Consumer Duty has reshaped how consumer-credit firms treat customers. It governs consumer credit, not our business lending — here is the distinction.
Restocking finance — getting stock in before payday
Retail and stock-led businesses live on a payday-and-restock cycle. When the restock falls before payday, short-term finance is the difference between a busy week and a missed week.
How a Leeds café bridged a seasonal gap
An anonymised look at how a limited-company café in Leeds used a small, short-term loan to get through a quiet stretch before its busy season, then repaid it.
Looking beyond the company’s credit history
A past missed payment does not have to define a company. We explain why we assess how a business is trading today, not just what happened years ago.
Understanding the FCA perimeter for business lending
What the Financial Conduct Authority actually regulates, and why lending to a limited company sits outside the consumer-credit rules.
Bridging a VAT bill — what business owners need to know
VAT bills don't fit cashflow well — they arrive in lumps every quarter (or month). When a bill lands at the wrong moment, here is what HMRC will and won't do, and where short-term finance fits.
Open Banking integration: faster, simpler applications
We have integrated a regulated Open Banking provider for read-only bank statement access, so decisions can be quicker. PDF statements still work.
What Bank of England rate changes mean for small businesses
How the Bank of England base rate feeds through into business borrowing costs, and what owners can practically do about it.
Short-term business loans vs business overdraft — which one fits your need?
Two of the most-used short-term business finance tools. They overlap a lot, but each genuinely fits a different cashflow shape. Here is how to tell which one your business actually needs.
New faces: our customer support team grows
We have welcomed several new colleagues to our customer support team. Here is who has joined, what they will do, and what it means for response times.
Getting help quickly: our online forms and Support Articles
A quick tour of the fastest ways to get what you need from us — our online request forms, our Support Articles and our FAQs.
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