--- title: "How it works — getting business finance through Credicorp" description: "A friendly, plain-English walkthrough of how a UK company gets short-term business finance through Credicorp — pick a product, apply in about five minutes, a real person reviews it, you sign, the funds land. Every step happens on the lender, credicorp.co.uk." canonical: "https://creditcorp.co.uk/how-it-works/" locale: "en-GB" updated: "2026-06-21" --- # How it works > No mystery and no maze. Here's the whole journey to business finance through **Credicorp**, in five plain steps. Every one of them happens on the operating lender's own site — this page just shows you the shape of it first. When you're ready, you apply at [credicorp.co.uk](https://credicorp.co.uk/apply/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## First, the one rule about who can borrow Credicorp lends **only to UK companies and LLPs** — the business borrows, never you as an individual, and there's no personal guarantee on the products. If that's you, the rest is easy. ## The five steps 1. **Pick the funding that fits.** Choose between a one-off Business Bridging Loan, the revolving Credicorp Flex facility, or Credicorp Slice to split a supplier bill. Not sure? [Compare the three](https://credicorp.co.uk/compare/). 2. **Apply online in about five minutes.** On credicorp.co.uk you give your company details, the director, your business bank account, photo ID and a few months of business bank statements. The company is the borrower, never you personally. [Start your application](https://credicorp.co.uk/apply/). 3. **A real person reviews it.** Credicorp verifies the company at Companies House, runs a business credit check, and checks the funding is affordable from the statements. No personal guarantee is taken. 4. **You sign the agreement.** You get a Key Information Sheet and a Business Loan Agreement between Credicorp Limited and your company. Read it, and sign when you're happy. 5. **The funds land in your account.** Money is released to your business bank account, usually the same working day if you sign before 3pm UK time. From there you manage everything in the [customer portal](https://credicorp.co.uk/portal/). ## Which funding fits? Three simple shapes. Pick by the job you need doing — then open it on the lender's site. - **[Business Bridging Loan](https://credicorp.co.uk/business-loans/)** — pick if you need one lump sum for a one-off job. - **[Credicorp Flex](https://credicorp.co.uk/business-credit-facility/)** — pick if you want a credit line to dip into as cash flow moves. - **[Credicorp Slice](https://credicorp.co.uk/credicorp-slice/)** — pick if you want to spread a single supplier bill. A friendlier product rundown: [Products](https://creditcorp.co.uk/products/). Or [compare all three](https://credicorp.co.uk/compare/) on the lender's site. ## What to have handy before you start Five minutes goes faster if these are within reach: - Your **company details** — name and registration number (we check it at Companies House). - The **director's** details and a piece of **photo ID**. - Your **business bank account** details. - A few months of **business bank statements**. That's genuinely it. The lender's [application page](https://credicorp.co.uk/apply/) walks you through each box. ## One honest line on the rules Because Credicorp lends only to companies and LLPs, this is **business lending, not consumer credit**. Under [Article 60B of the FSMA Regulated Activities Order 2001](https://www.legislation.gov.uk/uksi/2001/544/article/60B), lending to a body corporate isn't a regulated "credit agreement", so Credicorp isn't FCA-authorised (it doesn't need to be), and the Financial Ombudsman Service and FSCS don't apply. The full plain-English explainer is on the group site: [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## Where to go next - **The plain-English intro:** [What is Creditcorp?](https://creditcorp.co.uk/what-is-creditcorp/) - **Why the new name:** [The name change](https://creditcorp.co.uk/the-name/) - **Start now:** [Apply at credicorp.co.uk](https://credicorp.co.uk/apply/). - **Manage an account:** [Customer portal](https://credicorp.co.uk/portal/). ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Registered in England and Wales. Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).