Credit Corp Group is now active. Credit Corp is joining the group — for now, keep using Credit Corp as normal. Read about the transition

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Credit Corp for retailers — short-term business lending built for retail cash flow

Short-term business credit from Credit Corp Group Limited for UK incorporated retailers — lent to the company, not to its directors: no personal guarantee and no director liability. Same-working-day decisions for shops, independents and multi-site retail businesses.

What it is

Credit Corp provides short-term business credit to UK limited companies and LLPs trading in retail — high-street shops, independents, market and concession traders, multi-site retailers and the trading companies behind them. We lend to the company itself: there is no personal guarantee, and your directors do not take on personal liability for the borrowing.

This is short-term business lending, not consumer credit. Business lending of this kind sits outside the consumer-credit regime, so we do not lend to individuals, consumers or sole-traders — only to incorporated retail businesses. Decisions are AI-assisted and typically confirmed within an hour during working hours, with same-day funding once you accept the offer.

Why retailers borrow

Retail cash flow is shaped by seasonality, supplier terms and the gap between paying for stock and selling it. Typical short-term needs we see in retail:

  • Stock ahead of a peak — buying in before Christmas, summer, back-to-school or a local event, weeks before the tills catch up.
  • Supplier terms shorter than customer demand — a distributor wanting payment before your sales convert to cleared cash.
  • An unplanned cost — a card-machine or EPOS failure, a refrigeration breakdown, an urgent shopfit or repair.
  • Bridging a quiet month — covering rent, wages and overheads while you wait for a large order or a busier season to arrive.
  • A one-off supplier invoice — a single bill you would rather spread than pay in one hit.

We are a working-capital lender for the short term: borrow a defined amount for a defined period, then be done. We are not a substitute for long-term or asset finance.

Which product fits a retail need

Need Best fit Why
A specific sum for stock or a planned cost, repaid over a fixed short term Business Loan One amount, one fixed term, known total cost — straightforward, no revolving trap.
A recurring buy-repay-rebuy stock cycle without reapplying each time Credicorp Flex A revolving facility you draw, repay and redraw as each buying cycle comes around.
One specific supplier invoice you want to spread Credicorp Slice Splits a single bill into a few instalments at a flat fee, with no interest compounding.

For the exact loan sizes, the term in days, the daily interest rate, the establishment 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 do not restate the figures here so there is one source of truth.

Eligibility

  • A UK-registered limited company or LLP trading in retail.
  • The business has been trading for at least six months.
  • A UK business bank account.
  • No personal guarantee is required from directors.

Decisions are AI-assisted and typically returned within an hour during working hours. The application, the customer portal and the app are UK-only; the rest of the site, including this page, is open to everyone.

Common questions from retailers

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. This kind of business lending sits outside the consumer-credit regime; we do not lend to consumers or sole-traders.

Can a single shop apply, or only multi-site retailers? Either, as long as the borrower is a UK-incorporated company or LLP that meets the published eligibility criteria above.

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 can I use it for? Genuine short-term business needs — stock, a supplier deposit or invoice, an urgent repair, or a brief cash-flow gap. Borrow only what you need for the shortest term required.

What will it cost? The loan sizes, the term in days, the daily interest rate, the establishment 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

Short-term business credit carries a high annualised cost; borrow only what you need, for the shortest term required. Retail demand is seasonal — match the term to the sales cycle the borrowing is bridging, and pay early where you can, since you only pay interest for the days you borrow. If repayment becomes difficult, contact us early: /help/. Support for vulnerable customers is at /legal/vulnerability/.

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Credit Corp Group is now active

Credit Corp is joining Credit Corp Group

Credit Corp Group is now active as our group company. For now, keep using Credit Corp exactly as you do today — nothing about your agreement, your account or how to reach us changes. The move happens in phases, with clear notice.

Read about the transition

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