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

Short-term lending for IT, software and technology businesses

IT consultancies, software firms, SaaS businesses, dev studios and managed-service providers front software licences, cloud bills and contractor day-rates long before enterprise clients settle on 30 to 60 day terms. Credit Corp bridges that billing gap for UK incorporated IT and software companies — no personal guarantee, decisions most working days.

Cwmni Cyf neu LLP yn y DU yn unig · Dim gwarant personol · Penderfyniadau ar y rhan fwyaf o ddyddiau gwaith

Yn adnabod unrhyw un o'r rhain?

  • A software or cloud licence renewal falling due before the client work it supports is invoiced and paid
  • A contractor or freelance developer to bring on for a project before the extra revenue clears
  • A reliable enterprise client paying on 60-day procurement terms while your own costs run monthly
  • A single late invoice from one big client leaving a short, defined gap before payroll or a renewal

If so, a Credit Corp short-term business loan could help you bridge that gap.

Pa gynnyrch sy'n addas?

Credicorp Loan — one-off advance

Benthyciad sengl, tymor sefydlog o £50–£500 dros 14–84 o ddyddiau, os yw eich angen yn un-tro yn hytrach na pharhaus.

Am ein benthyciad busnes

Credicorp Slice — split a single bill

When the need is one specific bill — an annual software or cloud licence renewal, a contractor invoice or a single tooling purchase — Credicorp Slice spreads that one bill over 3 or 4 weekly instalments at a flat 6% fee, with no interest compounding.

  • Biliau o £50–£2,000
  • Ffi wastad 6% o ffi — dim cyfansoddi
  • 3 neu 4 rhandaliad wythnosol drwy Ddebyd Uniongyrchol
  • Setlo'n gynnar a byddwn yn ad-dalu'r ffi heb ei defnyddio pro rata
About Credicorp Slice

Gweld y gost ar gyfer eich sector

Efallai y byddai busnes it software services nodweddiadol yn benthyca £400.00 dros 56 o ddyddiau. Addaswch y llithryddion i gyd-fynd â'ch senario eich hun.

Benthyciad Busnes

£50 £500
14 o ddyddiau 84 o ddyddiau
Amlder ad-dalu

Rydych chi'n benthyca
Tymor
Ffi sefydlu
Tâl llog
Cyfanswm ad-daladwy
Wythnosol
APR cynrychiadol

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. We lend to the company, so no director signs a personal guarantee.

Pwy all wneud cais?

  • Cwmni cyfyngedig neu LLP yn y DU (benthyca corff-corfforaethol yn unig — nid unig fasnachwyr)
  • 6+ mis o fasnachu
  • Cyfrif banc busnes cyfredol yn y DU
  • Gwiriad hunaniaeth cyfarwyddwr (chi, nid y cwmni, fel cynrychiolydd awdurdodedig y cwmni)
  • Dim gwarant personol yn ofynnol — mae'r rhwymedigaeth yn perthyn i'r cwmni

Gwneud cais nawrMewngofnodiHelp Centre

Canllawiau ar gyfer eich busnes

No personal guarantee business loans: what it really means

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 →

Pori pob canllaw busnes →

Cwestiynau cyffredin

Can an IT consultancy or software company apply for a Credit Corp business loan?
Yes. Credit Corp lends to UK incorporated limited companies and LLPs in technology — IT consultancies, software firms, SaaS businesses, dev studios and managed-service providers. Client type and recurring revenue mix are not pricing factors.
Do companies in this sector need to provide a personal guarantee?
No. All Credit Corp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
How quickly can a company in this sector get a lending decision from Credit Corp?
Applications are reviewed as they arrive during business hours. Credit Corp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.

Lending for other sectors

Help

Help centre

Answers, deep-linked from this page. Opens the full help centre in a new tab.

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.

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