Credit Corp Group is now active. Credit Corp is joining the group — for now, keep using Credit Corp as normal. Read about the transition

Short-term lending for IT, software and technology businesses

IT consultancies, software firms, SaaS businesses, dev studios and managed-service providers front software licences, cloud bills and contractor day-rates long before enterprise clients settle on 30 to 60 day terms. Credit Corp bridges that billing gap for UK incorporated IT and software companies — no personal guarantee, decisions most working days.

Cuid. no LLP san RA a-mhàin · Gun bharantas pearsanta · Co-dhùnaidhean a' mhòr-chuid de làithean obrach

An aithnich thu gin dhiubh seo?

  • A software or cloud licence renewal falling due before the client work it supports is invoiced and paid
  • A contractor or freelance developer to bring on for a project before the extra revenue clears
  • A reliable enterprise client paying on 60-day procurement terms while your own costs run monthly
  • A single late invoice from one big client leaving a short, defined gap before payroll or a renewal

If so, a Credit Corp short-term business loan could help you bridge that gap.

Cò an toradh a fhreagras?

Credicorp Loan — one-off advance

Aon iasad le teirm shuidhichte de £50–£500 thar 14–84 latha, mas e feum aon-uair seach feum leantainneach a th' agad.

Mu ar n-iasad gnothachais

Credicorp Slice — split a single bill

When the need is one specific bill — an annual software or cloud licence renewal, a contractor invoice or a single tooling purchase — Credicorp Slice spreads that one bill over 3 or 4 weekly instalments at a flat 6% fee, with no interest compounding.

  • Bilichean de £50–£2,000
  • Cìs rèidh 6% cìs — gun cho-mheasgachadh
  • 3 no 4 cuibhreannan seachdaineil le Fiach Dìreach
  • Socraich tràth agus pàighidh sinn air ais a' chìs gun chleachdadh pro rata
About Credicorp Slice

Faic a' chosgais airson an roinn agad

Dh'fhaodadh gnothachas it software services àbhaisteach iasad fhaighinn de £400.00 thar 56 latha. Atharraich na sleamhnagan gus a bhith a' freagairt air an t-suidheachadh agad fhèin.

Iasad Gnothachais

£50 £500
14 latha 84 latha
Tricead ath-phàighidh

Gheibh thu air iasad
Teirm
Cìs stèidheachaidh
Cosgais rèidh
Iomlan ri ath-phàigheadh
Gach seachdain
APR riochdachail

A bheil seo a' freagairt air na feumalachdan agad? Tòisich an t-iarrtas agad

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. We lend to the company, so no director signs a personal guarantee.

Cò as urrainn iarrtas a chur a-steach?

  • Companaidh earranta no LLP san RA (iasad corp-corporra a-mhàin — chan e luchd-malairt aonair)
  • 6+ mìosan malairt
  • Cunntas banca gnothachais làithreach san RA
  • Sgrùdadh dearbh-aithne stiùiriche (thusa, chan e an companaidh, mar riochdaire ùghdarraichte a' chompanaidh)
  • Chan eil feum air barantas pearsanta — 's ann leis a' chompanaidh a tha an dleastanas

Cuir a-steach iarrtasClàraich a-steachHelp Centre

Stiùireadh airson a' ghnothachais agad

No personal guarantee business loans: what it really means

A personal guarantee makes a company director personally liable for a business debt — so if the company cannot repay, the lender can pursue the director's own assets. Lending without one keeps the borrowing where it belongs: with the company. This guide explains what a personal guarantee is, why it matters, and what no-personal-guarantee lending changes for UK directors.

Leugh an stiùireadh →

Rùraich a h-uile stiùireadh gnothachais →

Ceistean cumanta

Can an IT consultancy or software company apply for a Credit Corp business loan?
Yes. Credit Corp lends to UK incorporated limited companies and LLPs in technology — IT consultancies, software firms, SaaS businesses, dev studios and managed-service providers. Client type and recurring revenue mix are not pricing factors.
Do companies in this sector need to provide a personal guarantee?
No. All Credit Corp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
How quickly can a company in this sector get a lending decision from Credit Corp?
Applications are reviewed as they arrive during business hours. Credit Corp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.

Lending for other sectors

Help

Help centre

Answers, deep-linked from this page. Opens the full help centre in a new tab.

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.

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