Business loans in Plymouth 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 Plymouth: how we lend to limited companies and LLPs trading in and around Plymouth, 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 Plymouth businesses we see

Plymouth's economy is shaped by its deep connection to maritime industry, naval defence, and the supply chains that serve Devonport Dockyard — one of the largest naval bases in Western Europe. Incorporated companies providing engineering, logistics, professional services, or facilities management to defence and maritime clients frequently operate under long payment terms set by public-sector procurement frameworks. That gap between work delivered and payment received is exactly the environment a short fixed-term business loan is designed to bridge.

Beyond its maritime heritage, Plymouth has an active construction and property development scene tied to ongoing city-centre regeneration. Incorporated contractors and specialist subcontractors working on commercial and mixed-use schemes face the standard construction cash-flow challenge: materials and labour costs fall before stage-payment milestones are certified and paid. A short fixed-term loan that clears on payment arrival is a clean, predictable solution.

Plymouth also has a growing cluster of creative, digital, and marine-technology businesses, many of them spun out of the University of Plymouth. These incorporated companies often operate on project revenue that arrives in uneven tranches, with operational costs running continuously. Credit Corp's Slice product can spread a single invoice or equipment cost over three to four weekly instalments at a flat 6% fee, giving project-based companies a structured way to smooth that unevenness.

Credit Corp does not lend against a postcode — the decision is identical wherever your company trades. A Plymouth limited company with a registered office in the city centre, Devonport, Derriford, or anywhere else in Devon is assessed on exactly the same basis as any other UK incorporated entity. Location plays no role in pricing or approval.

How Credit Corp fits a Plymouth business

Most Plymouth 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 Plymouth (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 Plymouth 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 Plymouth businesses are eligible to borrow from Credit Corp? Credit Corp lends to UK limited companies and LLPs, not to individuals or sole traders. Sole traders, partnerships, and consumers are not eligible. Being based in Plymouth or Devon has no bearing on the decision — eligibility is assessed on the company's own financial standing, not its postcode.

Is a personal guarantee required for a Plymouth limited company? No. Credit Corp lends to the company as a legal entity. There is no personal guarantee, and directors and members carry no personal liability for the facility at any point.

How quickly will a Plymouth company receive a credit decision? Credit Corp aims to deliver a decision on the same working day the application is submitted. The process is entirely online — there is no branch, no paper process, and no requirement to attend any local office.

Responsible borrowing

Because short-term business credit carries a high annualised cost, 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 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/
Bristol: /business-loans-in-bristol/
Exeter: /business-loans-in-exeter/
Cardiff: /business-loans-in-cardiff/
Swansea: /business-loans-in-swansea/
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