Business loans in Birmingham for limited companies — Credit Corp

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 Birmingham: how we lend to limited companies and LLPs trading in and around the West Midlands, the kinds of cash-flow timing gaps we see across the city, 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 Birmingham businesses we see

Birmingham has one of the most diverse city economies in the UK. Its long manufacturing, engineering and automotive heritage sits alongside large professional-services, financial and digital sectors, a substantial wholesale and distribution base, and a busy hospitality and retail scene serving a growing city-centre population.

Whatever the trade, the timing problem is the same one we see everywhere: the money goes out before it comes in. Typical short-term needs across Birmingham companies:

A contractor waiting on a stage payment — a firm in the construction or supply chain that has paid for materials and labour long before a stage payment or retention is released.
A Colmore-district firm fronting a project — a professional-services business covering project costs before client fees are settled on long terms.
A manufacturer buying ahead of a contract — a West Midlands business purchasing raw materials before a contract that only pays on delivery.
A retailer stocking up before a peak — a Bullring-adjacent or high-street shop buying in before a seasonal surge that clears in the account days later.
A short, seasonal dip — covering overheads through a quiet stretch while known income recovers.

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

How Credit Corp fits a Birmingham business

Most Birmingham businesses approach us for a fixed sum, fast, to bridge a known, time-bound 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 — a stock buy, a materials order, a supplier bill or a project cost, repaid once contracted or seasonal income clears. No revolving trap, known total cost. /business-loans/
Credicorp Flex — a revolving credit facility you can draw, repay and redraw against a limit. Best for recurring, hard-to-predict working-capital gaps, without reapplying each time. /business-credit-facility/
Credicorp Slice — spread the cost of one specific bill — a supplier invoice, an equipment service, a materials order — 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.

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 invoice-driven peaks and gaps 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, with the offer terms set out in full before you accept.
Funding — same-day once you accept.

Eligibility

A UK-registered limited company or LLP trading in or around Birmingham (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.

Credit Corp does not lend against a postcode or a local scheme — a Birmingham base does not change the eligibility or the pricing. 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

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, because this kind of business lending sits outside the consumer-credit regime.

I trade as a sole trader in Birmingham — can I apply? No. We lend to UK limited companies and LLPs, not to individuals or sole traders. If your Birmingham business is incorporated and meets the published eligibility criteria, you can apply.

Does Credit Corp have a Birmingham office, or is this only for Birmingham companies? We are a UK-wide direct lender; the city pages are a guide to how we serve businesses in each area. A company based anywhere in the UK can apply — a Birmingham base simply tends to mean the working-capital patterns described above.

What will it cost? The loan 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.

Responsible borrowing

Short-term business credit carries a high annualised cost, so 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 stage payment that is certified — 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. ## Related pages

All locations — /business-loans-by-location/
Business lending by sector — /for/
Manufacturing — /for/manufacturing/
Professional services — /for/professional-services/
Hospitality — /for/hospitality/

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