Credit Corp for recruitment and staffing agencies — short-term business lending to bridge the weekly-payroll-to-monthly-client gap

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 recruitment and staffing operators: temporary and contract staffing agencies, permanent-placement recruiters, executive search firms, healthcare and care-sector agencies, industrial, logistics and driving agencies, hospitality and catering staffing, IT and tech contract desks, and the trading companies behind them. Staffing runs on one stubborn timing gap: you pay your temporary and contract workers weekly — a fixed, non-negotiable payroll obligation — while the end-clients who use those workers settle your invoices on 30, 60 or sometimes 90 day terms. The more placements you make, the wider that gap grows. That funding gap between paying the workers and being paid by the client is exactly what short-term business lending is for.

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 recruitment and staffing

Weekly payroll against monthly client terms — your temp and contract workers have to be paid weekly, but the client invoice for those same hours is settled 30, 60 or 90 days later, leaving you funding the wages in between.
Scaling up for a larger assignment — winning a bigger contract or a seasonal surge means putting more workers on payroll now, weeks before any of that placement revenue clears.
A key client stretching payment — a large account paying late or extending its terms, leaving the next payroll run exposed.
Front-loaded placement costs — advertising and job-board spend, background and right-to-work checks, onboarding and compliance costs to pay before a placement starts billing.
Smoothing a known, dated bill — a single large advertising, job-board, ATS or background-checking invoice you would rather spread than pay in one hit.

We are a working-capital lender for the short term: draw or borrow a defined amount for a defined period — typically matched to when a client invoice clears — then be done. We are not invoice finance or payroll factoring; we lend the company a defined sum rather than advancing money against, or taking an assignment of, your specific client invoices.

How Credit Corp fits

Agency payroll repeats every week against client invoices that arrive a month or more later, so the recurring fund-payroll-then-repay pattern often suits a revolving facility better than a one-off loan. The matching product depends on the shape of the need:

Credicorp Flex — a revolving credit facility you can draw, repay and redraw against a limit. Best for the regular, repeating payroll cycle that most temp and contract desks run: draw to make a payroll run, repay as each client invoice settles, and redraw for the next week without reapplying. /business-credit-facility/
Business Loan — a short-term, unsecured loan: one fixed amount over one fixed, short term, then done. Best when the need is a single, defined sum — funding one heavy payroll week, or bridging a known late-payment gap on a specific client — and you want a known total cost with no revolving balance. /business-loans/
Credicorp Slice — spread the cost of one specific bill — a large advertising or job-board invoice, an annual ATS or background-checking subscription — over a few instalments at a single flat fee, with no interest compounding. Best for a known, dated outgoing you want to smooth rather than a rolling payroll cycle. /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.

Which product fits a staffing need

Need	Best fit	Why
A recurring fund-payroll-then-repay cycle every week without reapplying	Credicorp Flex	A revolving facility you draw, repay and redraw as each payroll-and-invoice cycle comes around — the natural fit for a temp desk.
A single defined sum for one heavy payroll week or a specific late-paying client, repaid over a fixed short term	Business Loan	One amount, one fixed term, known total cost — straightforward, no revolving balance to manage.
One specific advertising, job-board or background-checking invoice you want to spread	Credicorp Slice	Splits a single bill into a few instalments at a flat fee, with no interest compounding.

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 weekly payroll outflow and the lumpy client-payment inflows 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, and the offer terms are shown clearly before you accept.
Funding — same-day once you accept.

Eligibility

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

Decisions are AI-assisted and typically returned within an hour during working hours. 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 from recruitment and staffing agencies

Do I need to give a personal guarantee? No. We lend to the company, not to its directors. There is no personal guarantee and no director liability.

Is this a consumer loan? No. Credit Corp lends to UK limited companies and LLPs, not to individuals or sole traders. We do not lend to consumers or sole traders, so this kind of lending sits outside the consumer-credit regime.

Is this invoice finance or payroll factoring? No. We are not an invoice-finance or factoring provider — we do not advance money against your specific client invoices or take an assignment of your debtors. We lend the company a defined sum for a defined short term, which you can use to fund payroll until your client invoices clear. Match the term to the dates you expect to be paid.

Can it cover my weekly temp payroll? Yes — that is the classic use. A revolving Credicorp Flex limit lets you draw to make a payroll run and repay as each client invoice settles, week after week, without reapplying. For a single heavy week a one-off Business Loan is the simpler alternative.

How fast is a decision? AI-assisted and typically confirmed within an hour in working hours, with same-day funding once you accept the offer.

What will it cost? The loan and facility sizes, the term in days, the daily interest rate, the establishment fee, the flat Slice fee and the total-cost cap are published in the machine-readable references at /ai.md and /llms-full.txt, generated from the live pricing source.

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. ## Responsible borrowing

Because short-term business credit carries a high annualised cost, borrow only what you need and for the shortest term required. In staffing it is tempting to roll one payroll week into more borrowing — match the term to a date you can realistically be paid (a client invoice that clears), and avoid stacking new borrowing on top of old as placements grow. 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/.

Related sectors

Professional services — project costs fronted before client fees land. /for/professional-services/
Cleaning and facilities — weekly wages against monthly client terms. /for/cleaning-facilities/
Creative and media agencies — freelancer fees and ad spend before the client pays. /for/creative-media/
Healthcare — locum and agency cover fronted before income clears. /for/healthcare/
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
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