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Credit Corp for e-commerce — short-term business lending for online retailers and DTC brands

Short-term business credit from Credit Corp Group Limited for UK e-commerce companies — online shops, marketplace sellers and direct-to-consumer brands — lent to the company, not to its directors, with no personal guarantee and no director liability.

What it is

Credit Corp Group Limited is an independent UK direct lender of short-term business credit. This page is a use-case guide for e-commerce and online retail operators: standalone web shops, Shopify, WooCommerce and BigCommerce stores, Amazon, eBay and Etsy sellers, direct-to-consumer (DTC) brands, subscription-box businesses and the trading companies behind them. Online retail runs on a working-capital cycle: you buy inventory weeks before it sells, you carry it while it ships and sits in a warehouse or fulfilment centre, and the marketplace or payment processor often holds your takings for days after the sale clears. That gap between paying for stock and seeing the cash is exactly what short-term business lending is for.

We lend to the company itself. There is no personal guarantee, and your directors do not take on personal liability for the borrowing. 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.

Cash-flow situations we see in e-commerce

  • Buying ahead of a peak — stocking up before Black Friday, Cyber Monday, Prime Day, Christmas, January sales or a product launch, weeks before the orders convert to cleared cash.
  • Supplier minimum order quantities — a manufacturer or wholesaler whose MOQ requires a larger outlay than your current balance, often with a deposit up front and the balance before shipping.
  • Fulfilling a sudden spike — a viral product, an influencer post or a successful ad campaign drives more orders than your stock can cover, and you need to reorder fast before momentum fades.
  • Platform and processor payout delays — Amazon, Shopify Payments, Stripe, PayPal or a marketplace holding your revenue on a rolling reserve or a fixed payout schedule, leaving a working-capital gap while you have already paid for the goods.
  • Import, freight and duty — a container of stock to clear, with shipping, customs duty and VAT due before the goods reach your warehouse and start selling.
  • Smoothing a known, dated bill — a single large supplier invoice, a 3PL fulfilment bill, an annual platform or app subscription, or a paid-media invoice you would rather spread than pay in one hit.

How Credit Corp fits

E-commerce inventory cycles are regular and repeating, so the recurring buy-repay-rebuy pattern often suits a revolving facility better than a one-off loan. The matching product depends on the shape of the need:

  • Credicorp Flex — a revolving credit facility you can draw, repay and redraw against a limit. Best for the regular, repeating inventory cycle: draw to buy stock, repay as it sells, and redraw for the next reorder without reapplying each time, which suits most online retailers. /business-credit-facility/
  • Business Loan — a short-term, unsecured loan: one fixed amount over one fixed, short term, then done. Best when the need is a single, defined sum — one big seasonal buy-in, a container of imported stock, or bridging a known payout-delay gap — and you want a known total cost with no revolving balance. /business-loans/
  • Credicorp Slice — spread the cost of one specific bill — a large supplier invoice, a freight-and-duty bill, a 3PL or paid-media invoice — over a few instalments at a single flat fee, with no interest compounding. Best for a known, dated outgoing you want to smooth rather than a rolling stock cycle. /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.

Which product fits an e-commerce need

Need Best fit Why
A recurring buy-repay-rebuy stock cycle without reapplying each time Credicorp Flex A revolving facility you draw, repay and redraw as each inventory cycle comes around — the natural fit for online retail.
A single defined sum for one big seasonal buy-in or a container of stock, repaid over a fixed short term Business Loan One amount, one fixed term, known total cost — straightforward, no revolving balance to manage.
One specific supplier, freight or fulfilment invoice you want to spread Credicorp Slice Splits a single bill into a few instalments at a flat fee, with no interest compounding.

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, including the seasonal peaks and the payout-delay troughs 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. You will have read the full offer terms before anything is signed.
  • Funding — same-day once you accept.

Eligibility

  • A UK-registered limited company or LLP trading in e-commerce or online 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 online 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. Because this kind of business lending sits outside the consumer-credit regime, consumers and sole traders cannot borrow from us.

Can a marketplace-only seller apply, or only standalone web shops? Either, as long as the borrower is a UK-incorporated company or LLP that meets the published eligibility criteria above — whether you sell on Amazon, eBay and Etsy, on your own Shopify or WooCommerce store, or across several channels.

Can the funding cover stock I am buying from an overseas supplier? Yes — buying in inventory, paying a supplier deposit, or covering freight, duty and VAT on imported stock are genuine short-term working-capital uses. We pay the funds into your UK business bank account for you to settle the supplier as normal.

Which product is best if my stock cycle repeats every few weeks? A revolving facility usually fits a repeating inventory cycle best — draw to buy, repay as it sells, redraw for the next order. See Credicorp Flex. If instead you have one big one-off buy-in, a fixed-term Business Loan may be simpler.

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 will it cost? The loan and facility 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.

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, so borrow only what the cycle needs and for as short a term as possible. E-commerce demand is seasonal and inventory turns at a known pace — match the term to the 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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