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Edinburgh's incorporated companies operate in one of the UK's most commercially dense and legally active cities, where cash-flow timing can make or break a contract — no personal guarantee, same-day decisions. £50–£500 over 14–84 days.
Cwmni Cyf neu LLP yn y DU yn unig · Dim gwarant personol · Penderfyniadau ar y rhan fwyaf o ddyddiau gwaith
Edinburgh carries an unusually broad commercial mix for a city of its size: financial and professional services anchor the New Town and St Andrew Square corridor, while tourism, hospitality and the creative industries sustain a parallel economy that runs hard through the Festival season and eases sharply in the shoulder months. Incorporated companies in both sectors routinely encounter timing mismatches between invoice issue and settlement, particularly when dealing with public-sector or institutional buyers who operate on 30–60 day payment cycles.
The city's construction and property market remains active around regeneration schemes in Leith, Granton and the wider waterfront, and specialist contractors frequently bridge subcontractor payments or materials orders ahead of staged milestone receipts. For companies in this position, a short fixed-term facility with a defined repayment date is often a cleaner solution than drawing on a revolving line and allowing the balance to drift.
Professional-services firms — accountants, solicitors, consultants — based around the financial district often face the same cash-flow compression at quarter-end: clients pay when audited, but supplier invoices and staff costs do not wait. A single fixed-term advance covers the gap cleanly without touching director personal funds.
Credit Corp does not lend against a postcode — the decision is identical wherever your company trades. Whether your registered office is in the New Town, Leith or the Gyle business park, the same underwriting criteria apply and the rate does not change because of your location.
A fixed-term loan gives Edinburgh-based companies a defined repayment date aligned to an expected invoice settlement or contract milestone — no revolving balance to manage, no rollover temptation, and no personal guarantee required from directors.
Credicorp Slice can spread a single supplier invoice or professional services bill across three or four weekly instalments at a flat 6% fee, useful for companies that need to honour a payment commitment before a client settlement arrives.
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 Edinburgh might borrow £300.00 dros 30 o ddyddiau. Addaswch y llithryddion i gyd-fynd â'ch senario eich hun.
A yw hyn yn cyd-fynd â'ch anghenion? Dechrau eich cais
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.
Credit Corp lends to incorporated limited companies and LLPs registered and trading in the UK — including those based in or operating from Edinburgh. Sole traders, partnerships and private individuals are not eligible. Being located in Edinburgh is not a pricing factor; the underwriting decision and rate are the same regardless of where in the city your company trades.
No. Credit Corp extends credit to the company itself. Directors do not provide a personal guarantee and carry no personal liability for the facility. The lending decision is made on the company's trading profile and cash-flow position.
Credit Corp aims to return a credit decision on the same working day the application is submitted. Successful applicants typically receive funds the same day or the following working day, depending on the time of submission and bank processing.
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.
Darllen y canllaw →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.
Darllen y canllaw →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.
Darllen y canllaw →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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