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Creditcorp lends to companies, not consumers
Every facility goes to a UK limited company or LLP, never to a person. That one fact decides who can apply, and which rules the agreement runs under.
Match your structure
Sole trader, partnership or company — what fits
How your business is set up decides whether Creditcorp can lend to it at all.
Sole trader
You trade in your own name. Creditcorp cannot lend to you directly — these products are for bodies corporate only. Incorporating as a limited company opens the door; until then, this isn't the right lender. A personal loan or a lender built for sole traders is worth looking at instead.
Ordinary partnership
An ordinary partnership (not an LLP) also sits outside what Creditcorp lends to, for the same reason: the partners, not the partnership, hold the legal liability. An LLP is different — see the next card.
Limited company or LLP
This is who Creditcorp lends to. A UK limited company or limited liability partnership is its own legal person, separate from the people who run it. All three products are built for this structure.
Roughly, which product
What each shape of lending suits
A rough steer only — the real figures, eligibility and terms sit with the lender, at credicorp.co.uk/compare.
- A known cost, known date — a supplier deposit, a repair, a one-off buy. The Business Bridging Loan suits a single lump sum repaid over a short, fixed term.
- Spending that comes and goes — seasonal stock, uneven cash flow. Creditcorp Flex is a revolving facility you draw on, repay and redraw as needed.
- One supplier bill, right now — pay it in full today and spread the cost. Creditcorp Slice splits a single bill over a few instalments.
Not sure which shape fits? Read working capital or a lump sum before you apply, or jump straight to the lender's own compare page for real numbers.
The exemption, plainly
What "not consumer credit" actually means for you
Because your business borrows as its own legal person and never as an individual, the agreement sits outside consumer credit regulation. In practice that means no FCA authorisation is needed to lend to you, the Financial Ombudsman Service and the Financial Services Compensation Scheme do not cover this lending, and the protections built for personal borrowing do not apply. Your agreement instead runs on ordinary commercial contract law, the same as any other business-to-business deal your company signs.
None of that makes the agreement any less binding, and it does not change what Creditcorp promises you in writing. It simply means the rulebook is a commercial one, not a consumer one. The full statutory detail, including the exact legislation, is set out on the group: creditcorpgroup.co.uk/lending-and-regulation.
Eligible to borrow?
Apply on the lender, or read the full position
If you run a UK limited company or LLP, applications are on the lender's site. The full regulatory explainer is on the group hub, if you want to read that first.