Belfast's incorporated companies span a fast-growing tech and professional-services sector alongside long-established manufacturing and logistics firms — Credit Corp offers short-term lending to UK incorporated businesses trading in and around Belfast, no personal guarantee, decisions most working days. £50–£500 over 14–84 days.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Belfast has built one of the UK's fastest-growing technology and financial-services clusters over the last decade, with fintech, cyber-security and software firms concentrated around the city centre and the Titanic Quarter sitting alongside a long-standing base of advanced manufacturing, aerospace and shipbuilding-heritage engineering. That mix means cash-flow timing varies widely — a software firm fronting a development sprint before a client milestone pays, or a manufacturer buying materials weeks before a finished-goods invoice clears.
The city's hospitality, retail and events economy has also expanded quickly around the Cathedral Quarter and city centre, with independent operators frequently needing to stock up or staff up ahead of a confirmed weekend or seasonal peak before that weekend's takings have cleared. A short, well-judged loan can bridge a gap of that kind cleanly.
Belfast companies trading with clients across the rest of the UK and into the Republic of Ireland commonly deal with 30- to 60-day settlement terms from larger corporate and public-sector buyers, while their own supplier and payroll costs run on a shorter cycle — a structural timing gap a fixed-term loan is built to close.
Credit Corp does not lend against a postcode — the decision is identical wherever your company is registered in the UK. A limited company based in the city centre, Titanic Quarter, or the wider Belfast metropolitan area is assessed on exactly the same criteria as anywhere else. We lend to the company itself: no personal guarantee, no personal liability for any director.
Most Belfast businesses come to us for a fixed sum to bridge a specific, short gap — a project cost, a stock buy, a supplier bill or a payroll run — until known client or contracted income lands. A fixed-term Credit Corp business loan covers that defined gap at a total cost you know from the outset, with no revolving trap and no personal guarantee.
If the need is one specific bill — a software licence, a supplier invoice or an equipment service — Credicorp Slice spreads that single bill over 3 or 4 weekly instalments at a flat 6% fee with no interest compounding.
Find your fit
Tell us what you need and roughly how much. We’ll point you to the right product — it’s a guide to help you choose, not a lending decision or a quote.
A typical business in Belfast might borrow £400.00 over 42 days. Adjust the sliders to match your own scenario.
This matches your needs? Start your application
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. Because we lend to the company, no director signs a personal guarantee.
Yes. Credit Corp lends to UK limited companies and LLPs, wherever in the UK they are based or trade, including companies registered in Belfast and Northern Ireland. A Belfast address is not a pricing factor. Sole traders, partnerships and consumers are not eligible.
No. Credit Corp lends to the company itself — there is no personal guarantee and no personal liability for directors. If the company cannot repay, the claim sits with the company, not with individual directors.
Applications are reviewed as they arrive during business hours and we aim to make a credit decision the same working day. If approved, funds are typically sent to the company's business bank account by the end of the same working day or the next business day.
Interest can be quoted as a daily rate, a monthly rate or an APR — and the same loan can look very different depending on which you read. This guide explains how business loan interest is actually calculated so you can compare offers on a like-for-like basis.
Read guide →Secured loans are backed by an asset; unsecured loans are not. That single difference changes the rate, the speed, the amount, and the risk. This guide explains how each works and when each makes sense for a UK business.
Read guide →A personal guarantee makes a company director personally liable for a business debt — so if the company cannot repay, the lender can pursue the director's own assets. Lending without one keeps the borrowing where it belongs: with the company. This guide explains what a personal guarantee is, why it matters, and what no-personal-guarantee lending changes for UK directors.
Read guide →Credit Corp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001), which puts this lending outside the consumer-credit regime. The Financial Ombudsman Service and Financial Services Compensation Scheme do not apply. Full details: regulatory status and responsible lending policy.
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