Credit Corp for logistics and warehousing — short-term business lending for 3PL, fulfilment and storage operators

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 logistics and warehousing operators: third-party logistics (3PL) providers, order-fulfilment and pick-pack businesses, self-storage and contract-storage operators, distribution and cross-dock sites, and the trading companies behind them. The sector runs on a structural timing gap — agency labour, fuel, packaging and storage costs go out continuously, and peak-season capacity has to be funded months ahead, while the retailers and clients you serve settle on 30 to 60 day terms. When a payroll run falls due before a client invoice clears, or a Black Friday ramp-up needs racking and temporary staff in place early, you need a fast decision, not a six-week bank queue.

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 logistics and warehousing

Agency labour due weekly, clients paying monthly — temporary and agency pickers, packers and drivers paid every week against fulfilment and storage contracts that settle in arrears, leaving the next payroll run exposed.
Fuel and vehicle costs ahead of the contract payment — fuel, vehicle finance, forklift hire and maintenance falling due before a haulage or fulfilment contract pays out.
Funding the peak-season ramp-up — extra racking, packaging, mezzanine or pick-pack capacity, and temporary headcount, all bought in before a Black Friday, Christmas or seasonal surge lands.
A 3PL or retail client on long terms — a large client settling on 30 to 60 day terms while your own suppliers, landlords and agencies want paying now.
Smoothing a known, dated bill — a packaging or consumables order, a forklift or MHE service invoice, a WMS subscription or a racking purchase you would rather spread than pay in one hit.

How Credit Corp fits

Logistics and warehousing cash flow runs on a repeating cycle: labour, fuel and storage costs go out continuously while client settlements arrive weeks later. 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 recurring, hard-to-predict gaps the sector throws up — a payroll run, a fuel bill or a peak ramp-up — drawn as each comes around, repaid as clients settle, without reapplying each time. /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 genuinely one-off — a single piece of handling equipment, a one-time site mobilisation, or a defined gap you can date. No revolving trap, known total cost. /business-loans/
Credicorp Slice — spread the cost of one specific bill — a packaging or consumables order, a forklift service invoice, a racking purchase — over a few instalments at a single flat fee, with no interest compounding. Best for a known, dated outgoing you want to smooth. /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 a logistics or warehousing need

Need	Best fit	Why
A recurring labour-fuel-storage-bill-client-settle cycle across the month	Credicorp Flex	A revolving facility you draw, repay and redraw as each cost and settlement comes around.
A specific, one-off sum — handling equipment, a one-time mobilisation — repaid once	Business Loan	One amount, one fixed term, known total cost — no revolving trap.
One specific packaging, MHE-service or racking 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 — the contract-driven peaks and arrears 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 — usually inside an hour in working hours, with the full offer terms to read before you accept.
Funding — same-day once you accept.

Eligibility

A UK-registered limited company or LLP operating in logistics or warehousing.
The business has been trading for at least 6 months.
A UK business bank account.
No personal guarantee required from directors.

Decisions are AI-assisted and typically returned within an hour during working hours. 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 from logistics and warehousing operators

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. This kind of business lending sits outside the consumer-credit regime, so consumers and sole traders are not eligible.

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

Can I borrow against a client invoice I have not been paid for yet? We are not an invoice-finance provider — we do not advance money against specific unpaid invoices or take an assignment of your debtors. We lend the company a defined sum, or give a revolving limit you draw against, to cover the gap until a contract settles. Match the term to when you expect to be paid.

Can I use it to buy a forklift, racking or major equipment? Use Credit Corp for the short-term gap — covering agency labour, fuel or a peak ramp-up until clients settle, or spreading a single equipment-service bill. For funding the purchase of materials-handling equipment or a fit-out over a longer period, asset finance is usually the better fit, since we only lend short-term working capital.

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 can I use it for? Genuine short-term business needs — agency or temporary labour, fuel and vehicle costs, a peak-season ramp-up, a packaging or consumables order, or bridging the wait for a client to settle. Borrow only what you need, for the shortest term required.

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

Because short-term business credit carries a high annualised cost, borrow only what you need for the shortest term required. In a contract-driven business it is tempting to roll one month's gap into the next — with a revolving facility, draw against a settlement you can realistically date and repay as clients pay, rather than stacking new borrowing on 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/.

Related sectors

Transport — couriers, haulage and delivery firms keeping vehicles on the road. /for/transport/
Wholesale & distribution — the supplier-to-trade-customer payment gap. /for/wholesale/
E-commerce — inventory bought weeks before it sells. /for/e-commerce/
Retail — seasonal stock and slow-paying customers. /for/retail/
All sectors — /for/

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