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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 seasonal UK businesses
Retail before Christmas, tourism over summer, harvest in agriculture, festivals and events in their season — many UK businesses earn most of their year's revenue in a short window and have to spend ahead of it. Credit Corp lends to bridge exactly that gap.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Stock, staff or marketing spend has to happen weeks before peak-season revenue arrives
- Off-season overheads (rent, insurance, core staff) continue while income is thin
- A good season depends on getting the timing of a single big spend right
- Last year's peak profit is already spent by the time this year's build-up costs land
A short-term loan sized to your season, repaid as trade picks up, can carry that gap without tying up capital year-round.
Which product fits?
Credicorp Loan Recommended for most needs
A fixed-term Credit Corp loan can be timed to your season — draw down ahead of the peak to fund stock, staffing or marketing, and repay over the weeks the peak itself generates the cash to clear it.
- £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 seasonal bill — a stock order, an event pitch fee, a peak-season insurance top-up — Credicorp Slice spreads that one cost over 3 or 4 weekly instalments at a flat 6% fee, timed to land before your busiest weeks.
- 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 ahead of your peak season
A typical business might borrow £500.00 over 84 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 a seasonal business get repeat funding each year?
- Yes. There is no restriction on applying again once a previous loan is settled and the company remains eligible. Many seasonal businesses use short-term finance as a recurring part of their annual stock or staffing cycle.
- Does seasonality itself affect eligibility?
- No — the same criteria apply as any other applicant: a UK limited company or LLP with at least 6 months' trading history and a current UK business bank account. Seasonal revenue patterns are common and are not treated as a red flag.
- How does repayment work if my income is concentrated in a few months?
- You choose the term (14 to 84 days) to fit when you expect the cash to land. Many seasonal borrowers time the term to end shortly after their peak trading window, so the loan is cleared from the proceeds of the season it funded.
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.