Our Consumer Duty approach: applying retail outcomes thinking to business lending
Business lending sits outside the FCA's Consumer Duty regime, but we apply the four outcomes voluntarily. Here is how the price-and-value, products-and-services, consumer-understanding and consumer-support tests show up at Credicorp.
Building on Open Banking for 2026
Our 2026 plan deepens customer-controlled data connections, privacy first. You decide what to share, read-only, and can disconnect at any time.
New Year 2026: reviewing your business finances for the year ahead
A short, no-judgement guide to reviewing your business finances at the start of a new year — what to gather, what to look for, and where to get free business debt advice if it is not adding up.
What I want Credicorp to be in 2026
Our founder sets out his hopes for the year ahead: clearer information, fair treatment, real support in difficulty, and no overselling.
The year in UK SME finance: a 2025 review
A year-end look back at the themes that defined UK small-business finance in 2025: the funding gap, rates, late payment, Open Banking and AI.
Credicorp’s 2025 in review
Looking back on our first full year of lending: what we learned, what we changed, and a heartfelt thank you to the companies who trusted us.
Christmas 2025 update and contact hours
A short note as we close out 2025 — our Christmas opening hours, a reminder that our online forms and Support pages are always available, and our thanks to customers for a strong second year.
An IT-contractor company manages a late invoice
An anonymised story of a limited-company IT contractor that bridged a late enterprise invoice, using Open Banking to make the decision quick and clear.
Modern slavery reporting and smaller companies
What the Modern Slavery Act 2015 transparency duty requires, who it applies to, and why we publish a voluntary statement even though we are below the threshold.
Smarter statement analysis for fairer decisions
Better categorisation of business bank statements helps us judge affordability more fairly. A person still reviews every lending decision.
One year of Credicorp Limited
A year to the day since we began trading, we look back on our first twelve months and thank the customers who have been part of them.
AI in credit decisioning: promise and guardrails
AI promises faster, more consistent lending decisions — but needs guardrails. Here is the role of human review and UK GDPR Article 22.
Expanding our support hours
We are extending the hours our support team is available, so it is easier to reach a real person. And self-service is always on, day or night.
Micro-business Britain: the businesses behind the economy
Micro-businesses make up the vast majority of UK firms. Here is why they matter, and how sole traders and limited companies differ for finance.
A market-trader company prepares for peak season
An anonymised case study of a limited-company market trader that bought peak-season stock with a small, short-term loan and repaid it from peak takings.
Why we record our calls
Calls to and from Credicorp Limited are recorded. We explain why, and how those recordings are looked after.
Reports & Downloads
Research and analysis from CM Beyer.
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