Honest comparisons, not a sales pitch.
Credicorp finance isn't the only way to cover a cash-flow gap, and it isn't always the right one. These guides put a Credicorp product next to the alternative a director might weigh it against — and say plainly when the other route wins. Throughout, the company borrows, never you personally.
Most funding decisions come down to a choice between two things that look alike on the surface. A bridging loan or the overdraft? A credit facility or the company card? Slice a supplier bill, or borrow against the invoices you're owed?
Creditcorp is the growing name for the Credicorp group, and Credicorp Limited is the lender behind it. It offers three products — a Business Bridging Loan, the revolving Credicorp Flex facility, and Credicorp Slice for spreading a supplier bill. It does not offer overdrafts, credit cards or invoice finance. So rather than pretend those don't exist, these pages compare each Credicorp product to its nearest alternative and are straight about which one we offer, which we don't, and when the other is the better fit.
This is a guide, not an application. When you're ready, applying happens on the lender's own site, credicorp.co.uk. Throughout, the borrower is the company — a UK private limited company (Ltd), LLP or PLC — not the director who signs. No personal guarantee, no charge over a home, no personal credit check on a director.
Three comparisons to weigh up
Each pairs one Credicorp product with the alternative directors most often consider against it. The Credicorp product is on the left; the other option is not something Credicorp offers.
Bridging Loan vs overdraft
A fixed-term lump sum against an on-demand buffer on the current account. Availability, cost shape, flexibility — and when an overdraft is the better tool.
Read the comparison
Flex vs business credit card
Two revolving routes side by side — limits, how interest is charged, repayment, and the company-as-borrower point a card rarely matches.
Read the comparison
Slice vs invoice finance
Paying a supplier bill in instalments versus borrowing against money owed to you. They pull cash flow in opposite directions — here's when each fits.
Read the comparisonWhat Credicorp actually offers
So you know what's on the table before you read a comparison. There are three products, and only three.
- Business Bridging Loan — a single lump sum repaid over a short, fixed term. Good when you know the figure and roughly when you can clear it.
- Credicorp Flex — a revolving facility you draw on, repay and draw again, paying interest only on what you've actually drawn.
- Credicorp Slice — pays a supplier bill in full today and lets the company repay over a few weeks for a flat fee.
Overdrafts, credit cards and invoice finance are not Credicorp products — they belong to banks and specialist providers, and each comparison says so plainly. The full detail on the three Credicorp products sits on the products page, and the lender lays all three out side by side at credicorp.co.uk/compare.
Ready when you are
Once you've weighed it up, applying, drawing down and managing your account all happen on the lender's site, credicorp.co.uk.
™