Credit Corp for hospitality — short-term business lending for restaurants, cafes, bars and hotels

What it is

Credit Corp Group Limited is an independent UK direct lender of short-term business credit. This page is a use-case guide for hospitality operators: restaurants, cafes, coffee shops, bars, pubs, hotels, guest houses, takeaways, caterers and event venues. Hospitality runs on unpredictable demand and high fixed costs — a quiet midweek followed by a fully booked weekend, wages due whatever the covers, and a supply chain that wants paying before the till catches up. When a large booking lands or a piece of kitchen equipment fails mid-service, you need a fast decision, not a six-week bank queue.

We lend to the company itself. There is no personal guarantee, and your directors do not take on personal liability for the borrowing. 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.

Cash-flow situations we see in hospitality

Stocking up before the cash lands — a busy weekend, a bank holiday or a festival week needs food, drink and consumables bought in before the takings hit your account.
Emergency equipment failure — a walk-in fridge, an oven, a coffee machine or a glass-washer goes down mid-service and has to be fixed or replaced today.
A large booking with upfront supplier spend — a private dining event, a wedding, a Christmas party season or a corporate block-booking that needs significant outlay before the deposit and balance clear.
Bridging a quiet stretch — covering wages, rent and utilities through a slow January after the Christmas rush, or a wet-weather lull, while bookings recover.
Smoothing a known, dated bill — a food distributor invoice, linen hire, an equipment service contract, an EPOS subscription or a licence renewal you would rather spread than pay in one hit.

How Credit Corp fits

Hospitality businesses often need a fixed sum, fast, for a defined gap. The matching product depends on the shape of the need:

Business Loan — a short-term, unsecured loan: one fixed amount over one fixed, short term, then done. Best when you know the sum and the period — buying in for a big weekend, an emergency repair, or bridging a defined quiet patch. No revolving trap. /business-loans/
Credicorp Flex — a revolving credit facility you can draw, repay and redraw against a limit. Best for the recurring, hard-to-predict gaps a seasonal trade throws up, without reapplying each time. /business-credit-facility/
Credicorp Slice — spread the cost of one specific bill — a food distributor invoice, linen hire, an equipment service contract — over a few instalments at a single flat fee, with no interest compounding. Best for a known, dated outgoing you want to smooth. /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.

How a decision is made

Apply online — the application takes around ten minutes; have your company registration number and business bank details to hand. /apply/
Open banking — with your permission, we review your business bank data to understand real trading cash flow — the seasonal peaks and troughs a single credit score misses.
AI-assisted assessment — we weigh affordability, the company's trading pattern and the purpose of the funding. The decisioning logic itself is proprietary and not published.
Decision — typically within an hour in working hours; you see the offer terms clearly before accepting.
Funding — same-day once you accept.

Eligibility

A UK-registered limited company or LLP operating in hospitality.
The business has been trading for at least 6 months.
A UK business bank account.
No personal guarantee required from directors.

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.

Responsible borrowing

Short-term business credit carries a high annualised cost. In a seasonal trade it is tempting to roll a quiet month into more borrowing — borrow only what you need, for the shortest term required, and match the term to a date you can realistically repay (a booking that clears, a peak week that lands). Paying early reduces the total cost. If repayment becomes difficult, contact us early at /help/. Support for vulnerable customers is at /legal/vulnerability/.

Related sectors

Retail — seasonal stock and slow-paying customers. /for/retail/
Trades — materials upfront, invoiced after the job. /for/trades/
E-commerce — inventory bought weeks before it sells. /for/e-commerce/
Professional services — project costs fronted before client fees land. /for/professional-services/
All sectors — /for/

More guides

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
Agent discovery (DNS-AID): /.well-known/agents.json
API catalog (RFC 9727): /.well-known/api-catalog
Agent skills: /.well-known/agent-skills/index.json
Sitemap: /sitemap.xml