--- title: "Business funding for cleaning services — working capital for UK commercial cleaning companies" description: "How short-term business finance fits incorporated UK commercial and contract cleaning companies — meeting payroll before client invoices clear, kit and materials, and staffing up for a new contract. The company borrows, never the director: no personal guarantee, no charge over a home, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/cleaning-services/" locale: "en-GB" updated: "2026-06-22" --- # Working capital for cleaning services > How short-term business finance fits incorporated UK commercial and contract cleaning companies. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 22 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## Where cleaning companies hit a cash gap Commercial and contract cleaning businesses often front cost before income arrives: - **Payroll before invoices clear** — staff are paid weekly or fortnightly; client invoices settle on 30-day or longer terms. - **Consumables and equipment** — chemicals, machinery, PPE and uniforms go out before the contract earns. - **Staffing up for a new contract** — a big site win means wage costs before the first invoice is raised. - **Equipment replacement** — a commercial floor machine or carpet extractor fails mid-contract and must be replaced immediately. - **Seasonal peaks** — post-event or end-of-lease cleans land all at once, needing extra staff and kit. ## The finance that tends to fit Three shapes of short-term credit — see [Products](https://creditcorp.co.uk/products/) for detail. - **A single, known cost — Business Bridging Loan.** A fixed lump sum over a short fixed term — replacing a piece of equipment or covering a specific upfront contract cost. - **An ongoing swing — Credicorp Flex.** A revolving facility to bridge payroll while invoices clear, then repay as clients settle and draw again for the next cycle. - **One supplier bill to spread — Credicorp Slice.** Settles a single chunky invoice — a machinery order, a bulk-chemicals buy — in full today; your company repays over a few weeks for a flat fee. ## The company borrows — not you With Credicorp the agreement is between the lender and your **company**, so: - **No personal guarantee** — the director does not underwrite the debt. - **No charge over your home** — nothing is secured against where you live. - **No personal credit check** on the director's own file. Only bodies corporate — UK limited companies, LLPs and PLCs — are eligible. A sole-trader cleaning business trading in its own name is not eligible. ## Cleaning services — common questions **Can a limited-company cleaning firm borrow without a personal guarantee?** Yes. Credicorp lends to the company — your UK limited company, LLP or PLC — not to the director who signs. No personal guarantee, no charge over a home, no personal credit check on a director. **Our clients pay on 45-day terms but we pay wages weekly. Can funding bridge that gap?** Yes. A Credicorp Flex facility is structured for exactly this: draw when payroll goes out, repay when client invoices settle, and repeat each cycle, paying interest only on the drawn balance. **We just won a big contract and need to hire quickly. Can funding cover the ramp-up?** Short-term working capital can cover the first few weeks of payroll and consumables before the contract income begins to flow. The lender looks at the company's ability to repay, not at a purpose statement. **We need to replace a floor machine immediately. Is that covered?** A fixed equipment cost with a known price fits a Business Bridging Loan — a single lump sum, repaid over a short term. For a single supplier invoice, Credicorp Slice may fit instead. **Where do we actually apply?** On the operating lender's own site, [credicorp.co.uk](https://credicorp.co.uk/). This page is the Creditcorp brand front door and does not take applications. ## Related sectors - [Facilities management & property](https://creditcorp.co.uk/industries/property/) - [Logistics & transport](https://creditcorp.co.uk/industries/logistics/) - [All industries](https://creditcorp.co.uk/industries/) ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## 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). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).