---
title: "Who can borrow from Credit Corp — sole trader, partnership or company"
description: "This is business lending, not consumer credit. A plain-language guide to who can borrow from Credit Corp by business structure, what \"exempt from consumer credit regulation\" means for you, and where the full regulatory position lives."
canonical: "https://creditcorponline.co.uk/who-can-borrow/"
locale: "en-GB"
updated: "2026-07-08"
---

# Who can borrow from Credit Corp

> This is business lending. Not consumer credit. Credit Corp lends to businesses, never to you as a person — that one line decides who can apply and why the rules that protect consumer borrowing don't apply here. The full regulatory position sits on the group, [creditcorpgroup.co.uk/lending-and-regulation](https://creditcorpgroup.co.uk/lending-and-regulation/).

**Canonical URL:** <https://creditcorponline.co.uk/who-can-borrow/>
**Last updated:** 8 July 2026

---

## Which structure fits

- **Sole trader** — you trade in your own name. Credit Corp cannot lend to you directly; these products are for bodies corporate only. Incorporating opens the door.
- **Ordinary partnership** — also sits outside what Credit Corp lends to, because the partners, not the partnership, hold the legal liability.
- **Limited company or LLP** — this is who Credit Corp lends to. A separate legal person from the people who run it. All three products are built for this structure.

## Roughly, which product

- **A known cost, known date** — the Business Bridging Loan: a single lump sum repaid over a short, fixed term.
- **Spending that comes and goes** — Credicorp Flex: a revolving facility you draw on, repay and redraw.
- **One supplier bill, right now** — Credicorp Slice: pay in full today, spread the cost over a few instalments.

Real figures, eligibility and terms sit with the lender at [credicorp.co.uk/compare](https://credicorp.co.uk/compare/).

## What "not consumer credit" means for you

Because your business borrows as its own legal person, never as an individual, the agreement sits outside consumer credit regulation. In practice: 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 runs on ordinary commercial contract law instead — the same as any other business-to-business deal your company signs. None of that makes the agreement less binding or changes what Credit Corp promises you in writing; it simply means the rulebook is commercial, not consumer.

## Go straight to it

- **The full regulatory position** → [creditcorpgroup.co.uk/lending-and-regulation](https://creditcorpgroup.co.uk/lending-and-regulation/)
- **Eligible and ready to borrow?** → [credicorp.co.uk/apply](https://credicorp.co.uk/apply/)

## Make sure you have the right Credit Corp

The lender is **Credicorp Limited** (UK, 16093826), part of the UK Credit Corp group.

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© 2026 Credit Corp Group · the online directory, published by CM Beyer Limited (17009212). Full explainer: [creditcorpgroup.co.uk/lending-and-regulation](https://creditcorpgroup.co.uk/lending-and-regulation/).