Business loans in Oxford 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 Oxford: how we lend to limited companies and LLPs trading in and around Oxford, the cash-flow timing gaps we see across the area, 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 Oxford businesses we see

Oxford sits at the intersection of deep academic research and high-growth commercial activity. The city's technology and life-sciences clusters attract incorporated spin-outs and consultancies that often operate on project cycles misaligned with supplier payment terms. For a limited company bridging a gap between invoice and settlement, a short fixed-term facility is a clean, predictable tool.

Professional services — legal, IP advisory, management consultancy — are a prominent feature of trading life in Oxford. These businesses frequently carry work-in-progress for weeks before billing, and late payment from institutional clients is a persistent reality. A short-term loan that clears on a defined date keeps cash flow transparent without opening a revolving line that drags forward.

Oxford's retail and hospitality operators in the city centre trade in an environment shaped by both term-time and tourist-season peaks. Incorporated companies in these sectors face predictable but sharp inventory and staffing costs that land before seasonal revenue arrives. Credit Corp's Slice product can spread a single supplier bill over three to four weekly instalments at a flat 6% fee, smoothing that curve without a longer commitment.

Credit Corp does not lend against a postcode — the decision is identical wherever your company trades. Whether your registered office is in the city centre, Cowley, Headington, or an Oxford ring-road business park, eligibility and pricing are determined entirely by your company's position, not its location.

How Credit Corp fits a Oxford business

Most Oxford businesses approach us for a fixed sum, fast, to bridge a known, time-bound gap until a known payment lands. 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 supplier bill, a payroll run, a deposit — with no revolving trap and a known total cost. /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 without reapplying each time. /business-credit-facility/
Credicorp Slice — spread the cost of one specific bill — a quarterly rent demand, a software or licence renewal, a single large supplier invoice — 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.

Eligibility

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

We do not lend to sole traders or to individuals. If your Oxford business is incorporated as a limited company or an LLP and meets the published eligibility criteria, you can apply. 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

Which Oxford businesses are eligible to borrow? Credit Corp lends to UK limited companies and LLPs, not to individuals or sole traders. Sole traders, partnerships, and individual consumers are not eligible. Eligibility is assessed on the company's own financial position — Oxford's postcode is not a factor in the decision.

Is a personal guarantee required for Oxford company loans? No. Credit Corp lends to the company as a legal entity. There is no personal guarantee and no personal liability for directors or members. The obligation sits with the company alone.

How quickly can an Oxford limited company get a decision? Credit Corp aims to deliver a decision on the same working day an application is submitted. There are no branch visits or paper forms — the application is completed online and assessed against the company's own profile.

Responsible borrowing

Keep the amount and the term to the minimum you need, as the annualised cost of short-term business credit is high. Match the term to a date you can realistically be paid — an invoice that clears, a contract that settles — 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. ## Other locations

All locations (hub): /business-loans-by-location/
Milton Keynes: /business-loans-in-milton-keynes/
London: /business-loans-in-london/
Brighton & Hove: /business-loans-in-brighton/
Southampton: /business-loans-in-southampton/
Business lending by sector: /for/

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