--- title: "Business funding for couriers & delivery — working capital for UK courier and last-mile companies" description: "How short-term business finance fits UK courier and last-mile delivery companies — fuel and driver pay before client invoices clear, vehicle upkeep, and ramping 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/couriers-and-delivery/" locale: "en-GB" updated: "2026-06-22" --- # Working capital for couriers & delivery > How short-term business finance fits incorporated UK courier and last-mile delivery 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 courier and delivery companies hit a cash gap The delivery economy runs on tight margins and fast costs: - **Fuel before invoices clear** — fuel cards and diesel go out daily; client invoices on 30-day terms lag weeks behind. - **Driver wages** — self-employed or PAYE, drivers need paying before the parcel-network invoice is settled. - **Vehicle repairs** — a van off the road is revenue lost; parts and labour must be paid immediately. - **Ramping for a new contract** — a new logistics or e-commerce client means more vans and drivers before the first invoice is raised. - **Plating and licensing** — renewal costs hit all at once and cannot wait on client payment cycles. - **Fuel duty and VAT timing** — reclaim cycles create short gaps when tax paid is ahead of tax reclaimed. ## 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 — a van repair, a licensing bill, a contract ramp-up cost. - **An ongoing swing — Credicorp Flex.** A revolving facility to bridge wages and fuel while invoices settle, then repay as clients pay. - **One supplier bill to spread — Credicorp Slice.** Settles a single chunky invoice — a fuel card or parts bill — 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 courier is not eligible. ## Couriers & delivery — common questions **Can a limited-company courier business 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 client pays on 30-day terms but fuel and wages go out daily. Can funding bridge that?** Yes. A Credicorp Flex facility is built for exactly this: draw when costs go out, repay when the invoice settles, and draw again for the next cycle, paying interest only on the drawn balance. **A van has broken down and we need the repair now. What fits?** A defined repair cost with a known amount fits a Business Bridging Loan — a fixed lump sum repaid over a short term. For a single garage invoice, Credicorp Slice may fit. **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 - [Logistics & transport](https://creditcorp.co.uk/industries/logistics/) - [Automotive](https://creditcorp.co.uk/industries/automotive/) - [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/).