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.
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.
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Research and analysis from CM Beyer.
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