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Business insurance: what a UK micro-business actually needs
Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Read guide →Short-term lending for multi-site and franchise operators
Running more than one site — or a franchise unit — means more than one cashflow rhythm to manage at once. Credit Corp lends to the operating company to cover a shortfall at a single location, a franchise fee due date, or the cost of opening or refitting a site.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- One site is having a slow month while others are healthy, and the group's central overhead does not flex with it
- A franchise or licence fee, royalty or marketing levy falls due on a fixed date regardless of individual site performance
- Opening, refitting or restocking an additional location needs upfront cash before it starts trading
- Head office cashflow is being asked to smooth timing differences across several trading locations
Which product fits?
Credicorp Loan Recommended for most needs
A fixed-term Credit Corp loan lends to your operating company, sized to a specific gap — a slow month at one site, a franchise fee, or the setup cost of a new location — with one known total cost.
- £50–£500 in one advance
- Fixed 14–84-day term
- 0.25% per day simple interest + £5 establishment fee
- Total cost capped at 100% of principal
- No personal guarantee
- Most decisions same working day
Credicorp Slice — split a single bill
For a single recurring cost across your sites — a franchise royalty payment, a group insurance renewal, a shared equipment purchase — Credicorp Slice spreads that one bill over 3 or 4 weekly instalments at a flat 6% fee.
- Bills of £50–£2,000
- Flat 6% fee — no compounding
- 3 or 4 weekly instalments by Direct Debit
- Settle early and we refund the unused fee pro rata
See the cost across multiple sites
A typical business might borrow £500.00 over 70 days. Adjust the sliders to match your own scenario.
This matches your needs? Start your application
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. There is no personal guarantee; lending is to the company.
Who can apply?
- UK limited company or LLP (body-corporate lending only — not sole traders)
- 6+ months trading
- Current UK business bank account
- Director identity check (you, not the company, as the company's authorised representative)
- No personal guarantee required — the obligation is the company's
Guides for your business
Investments for a UK director — the basics, honestly
A first-principles guide to investing surplus money — for directors who want a sensible plan rather than a stock-tip spreadsheet.
Read guide →UK startup funding guide for founders — no jargon
A startup funding guide for UK founders: grants, loans, equity, bootstrapping — the funding ladder for a micro-business, with honest pros and cons for each step.
Read guide →Common questions
- Can each site or subsidiary apply separately, or must it be the parent company?
- Lending is to a single UK incorporated legal entity — typically the operating company that holds the bank account and trades the sites. If sites trade under separate legal entities, each eligible entity can apply in its own right.
- Can this fund the cost of opening a new site?
- Yes, within the £50–£500 loan range (or up to £2,000 on Credicorp Slice for a single bill) — it suits a specific setup cost rather than a full site build-out, which is usually a larger, longer-term facility.
- Does operating under a franchise agreement affect eligibility?
- No — the same criteria apply: a UK limited company or LLP with at least 6 months' trading and a current UK business bank account. Franchise structure itself is not a pricing factor.
Related reading
Credit Corp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001). This is not consumer lending. The Financial Ombudsman Service and Financial Services Compensation Scheme do not apply. Full details: regulatory status and responsible lending policy.