Business loans in London 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 London: how we lend to limited companies and LLPs trading across the capital, the cash-flow timing gaps we see again and again in London, 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 London businesses we see

London runs on high fixed overheads. Commercial rent, business rates and payroll land on a fixed day each month whether or not your own invoices have cleared, and few cities front more cost before income arrives. Late payment is a London constant: agencies, contractors, creative studios and suppliers routinely wait on 30, 60 or even 90-day client terms while their own costs run weekly.

Whatever the trade, the timing problem is the same one we see everywhere: the money goes out before it comes in. Typical short-term needs across London companies:

A quarter's rent or a payroll run falling due — a fixed, dated outgoing that lands before the receivables that will cover it.
An agency fronting a campaign — a Soho or Shoreditch studio paying freelancers and media spend before a client settles on long terms.
A City or Canary Wharf firm covering a project cost — a professional-services business carrying expenditure ahead of fees billed in arrears.
A supplier deposit on a short-notice opportunity — a deposit or upfront order that cannot wait for a six-week bank credit committee.
A short, seasonal dip — covering overheads through a quiet stretch while known income recovers.

We are a working-capital lender for the short term: a defined amount for a defined period, then done. We are not asset finance and not a substitute for long-term funding. Credit Corp does not lend against a postcode — the decision is identical wherever your company trades — but the London gap, money out before money in, is exactly what a short-term business loan is built to bridge.

How Credit Corp fits a London business

Most London 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 quarter's rent, a payroll run, a supplier 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 a busy London company meets month after month, 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 London (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 London 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

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; we do not lend to consumers or sole traders.

I am a sole trader based in London — can I apply? No. We lend to UK limited companies and LLPs, not to individuals or sole traders. If you incorporate and the company meets the published eligibility criteria, you can apply.

Do you only lend to businesses in central London? No. We lend to incorporated businesses across all of London and the whole of the UK. The city guide is about the cash-flow patterns we see locally, not a geographic restriction — the lending decision is the same wherever your company trades.

How fast is a decision? AI-assisted and typically confirmed within an hour during working hours, with same-day funding once you accept the offer.

What will it cost? The loan 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.

Responsible borrowing

Short-term business credit carries a high annualised cost; borrow only what you need, 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/
Birmingham: /business-loans-in-birmingham/
Leeds: /business-loans-in-leeds/
Glasgow: /business-loans-in-glasgow/
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