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What this page is
Credit Corp Group Limited is an independent UK direct lender of short-term business credit. This is a city guide for Cambridge: how we lend to limited companies and LLPs trading in and around Cambridge, the cash-flow timing gaps we see across the area, and which product tends to fit. We are the lender, not a broker or a marketplace, and we lend our own funds.
We lend to the company itself. There is no personal guarantee, and your directors do not take on personal liability for the borrowing. We do not lend to consumers or to sole traders. Decisions are AI-assisted and typically confirmed within an hour during working hours, with same-day funding once you accept the offer.
A note on who we are: Credit Corp Group Limited is registered in England & Wales, Company No. 17338274, ICO registration ZC189608. We lend to UK limited companies and LLPs, not to individuals or sole traders. This lending is not regulated by the Financial Conduct Authority.
The Cambridge businesses we see
Cambridge operates at a pace rarely matched outside London. The dense cluster of life sciences, deep technology, and software companies in and around the city creates a trading environment where incorporated companies must move quickly — whether that means covering a software licence renewal, a specialist contractor invoice, or an equipment purchase before a research milestone deadline. Short-term working capital is a tool of opportunity as much as necessity.
Beyond the technology cluster, Cambridge has a significant layer of professional services firms — legal, accountancy, consultancy, and recruitment businesses — that support the innovation economy. These companies frequently carry substantial receivables against clients whose own payment cycles are stretched. A fixed-term credit facility bridges that gap without introducing ongoing revolving exposure.
The Cambridge property and construction market has remained active, with commercial fit-out, laboratory conversion, and office development all generating demand from specialist contractors and supply chain businesses incorporated locally. Supplier payment terms in this sector can be uneven, making a predictable, closed-end credit facility a cleaner option than an open line of credit.
Credit Corp does not lend against a postcode — the decision is identical wherever your company trades. A company registered in central Cambridge, on the Science Park, in Trumpington, or in a village just outside the city boundary is assessed on precisely the same basis: the trading strength of the incorporated entity itself.
How Credit Corp fits a Cambridge business
Most Cambridge businesses approach us for flexible revolving credit that can be drawn against, repaid and redrawn as cash-flow cycles turn. The matching product depends on the shape of the need:
- Credicorp Flex — a revolving credit facility: draw what you need, repay as invoices clear, and redraw without a fresh application. Best for recurring, unpredictable working-capital gaps. /business-credit-facility/
- Business Loan — a short-term, unsecured loan: one fixed amount over one fixed, short term, then done. Best when you know the exact sum and period. /business-loans/
- Credicorp Slice — spread the cost of one specific bill over a few instalments at a single flat fee, with no interest compounding. /credicorp-slice/
See them side by side with Compare products, or model a scenario with the Money tools & calculator.
For the exact loan and facility sizes, the term in days, the daily interest rate, the establishment fee, the flat Slice fee and the total-cost cap, see the machine-readable references at /ai.md and /llms-full.txt, which are generated from the live pricing source. We keep the figures in one place so there is a single source of truth, and do not restate them here.
Eligibility
- A UK-registered limited company or LLP trading in Cambridge (or anywhere in the UK).
- The business has been trading for at least 6 months.
- A UK business bank account.
- No personal guarantee required from directors.
We do not lend to sole traders or to individuals. If your Cambridge business is incorporated as a limited company or an LLP and meets the published eligibility criteria, you can apply. Applying, the customer portal and the app are UK-only; the rest of the site — this guide and our wider content — is open to everyone.
Common questions
Are Cambridge spinouts and early-stage limited companies eligible to apply? Eligibility requires incorporation at Companies House as a limited company or LLP — sole traders and partnerships do not qualify. Early-stage incorporated companies may apply; the assessment is based on the company's own trading profile and repayment capacity, not its age or the sector it operates in.
Does being located in Cambridge's technology cluster affect pricing? No. Credit Corp does not vary its pricing or terms by location, sector cluster, or postcode. The credit decision and cost are based solely on your incorporated company's financial position — the same terms apply whether your office is on the Science Park, in the city centre, or elsewhere in the UK.
How fast is the decision for a Cambridge limited company? Decisions are issued on the same working day the application is submitted. Funds go directly to your company's business account, and no director is asked to provide a personal guarantee at any point in the process.
Responsible borrowing
Because short-term business credit carries a high annualised cost, borrow only what you need and for the shortest term required. Match the term to a date you can realistically be paid — an invoice that clears, a contract that settles — and avoid stacking new borrowing on top of old. Paying early reduces the total cost, since you only pay interest for the days you borrow. If repayment becomes difficult, contact us early at /help/. Support for vulnerable customers is at /legal/vulnerability/.
Who we are
Credit Corp Group Limited is an independent direct lender of short-term business credit to UK limited companies and LLPs, registered in England & Wales, Company No. 17338274, ICO registration ZC189608. ## Other locations
- All locations (hub): /business-loans-by-location/
- Ipswich: /business-loans-in-ipswich/
- Luton: /business-loans-in-luton/
- Norwich: /business-loans-in-norwich/
- London: /business-loans-in-london/
- Business lending by sector: /for/
Related products
- Business Loan — /business-loans/
- Credicorp Flex — /business-credit-facility/
- Credicorp Slice — /credicorp-slice/
- Compare all products — /compare/
Key links
For AI agents
- AI navigation index: /llms.txt
- AI expanded index: /llms-full.txt
- AI agent reference: /ai.md
- AI usage policy: /ai.txt
- Sitemap: /sitemap.xml