--- title: "Business funding for food production — working capital for UK food producers, bakeries & manufacturers" description: "How short-term business finance fits UK food production companies — buying ingredients in bulk, funding new equipment or cold storage, and bridging long supermarket payment terms. The company borrows, never the director: no personal guarantee, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/food-production/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for food production > How short-term working capital fits a UK food production company — bulk ingredients, equipment and cold storage, seasonal builds, and bridging long supermarket payment terms. 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:** 21 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/). The products are the same three for every sector — a [Business Bridging Loan, Credicorp Flex or Credicorp Slice](https://credicorp.co.uk/products/). This page explains how each tends to be used in food production. ## Where the cash-flow gaps come from In food production the money leaves the business at the start of the chain and comes back at the very end of it. Four pressure points show up again and again: - **Ingredients and raw materials, bought ahead** — flour, dairy, sugar, meat, packaging and a harvest-priced crop are cheapest when you commit early and in volume, so a producer or bakery often pays for a run of raw materials weeks before the finished product is made, sold and despatched. - **Supermarket and wholesale payment terms** — a multiple or national wholesaler can take 30, 60 or even 90 days to pay, while your ingredient, energy and wage bills won't wait. That lag is the single most common squeeze in the trade. - **Equipment, ovens and the production line** — a new mixer, prover or oven, a packing and labelling line, or an upgrade to meet a customer's spec is a one-off cost with a clear payback, but the bill lands all at once and the downtime to install it can't ship product. - **Cold storage and chilled capacity** — a blast chiller, walk-in freezer or extra cold-store capacity is the difference between fulfilling a bigger order and turning it away, and between product you can sell and product you write off. ## Which kind of finance fits a food business The detail — amounts, pricing, terms — lives on the [products page](https://credicorp.co.uk/products/) and with the lender; no figures are quoted here. - **[Business Bridging Loan](https://credicorp.co.uk/products/)** — a single lump sum repaid over a short fixed term. Fits a known, one-off cost: a bulk ingredient run, a new oven or chiller, a packing line, or the capacity to fulfil a new supermarket listing. - **[Credicorp Flex](https://credicorp.co.uk/products/)** — a revolving facility to draw on, repay and draw again. Fits food production's buy-make-ship rhythm: buying ingredients in waves, building up for a seasonal peak, and bridging each batch of slow-paying invoices. - **[Credicorp Slice](https://credicorp.co.uk/products/)** — spread one supplier bill over a few weeks while the supplier is paid in full today. Handy when an ingredient or packaging bill lands before your own customer has paid. The journey end to end is on the [how-it-works overview](https://credicorp.co.uk/how-it-works/). ## The company borrows — not you Many food founders have already signed personal guarantees they didn't love — a unit lease, an equipment lease, a packaging account. The Credicorp model is the other way round: the agreement is between Credicorp Limited and your **company**. - **No personal guarantee** — the company is the borrower, full stop. - **No charge over your home** — your house isn't security for a batch of ingredients or an oven. - **No personal credit check on a director** — the lender looks at the business, not your own file. - **Bodies corporate only** — UK Ltd, LLP or PLC, never a sole trader or an individual. This is exempt business lending under Article 60B of the FSMA Regulated Activities Order 2001, not consumer credit. The full position is on [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example *An illustration, not a real customer.* A bakery trading as a UK limited company wins its first regional supermarket listing for a range of speciality loaves. The order is larger than anything it has run before: it needs a bulk flour and packaging buy up front, a second prover to lift output, and a little extra chilled storage to hold finished stock before each delivery slot. The supermarket pays on 60-day terms — so the ingredient and equipment bills land two full months before the first payment arrives. Because the equipment cost is one-off and known, a fixed-term Business Bridging Loan to the company covers the prover and the chiller — a set sum, repaid over the months the new listing earns it back. To bridge the recurring 60-day gap on each ingredient run, a Credicorp Flex facility lets the bakery draw as it buys and pay down as the supermarket settles, without arranging fresh finance every cycle. Both agreements are with the company, so the owner gives no personal guarantee and puts no charge over their home. *Made-up illustration to show the fit, not a quote — real amounts, pricing and terms are set by the lender at credicorp.co.uk.* ## Food production funding questions **Can my food company borrow to buy ingredients or raw materials in bulk?** Yes — a bulk ingredient or raw-materials run is one of the most common reasons a producer uses short-term finance. A Business Bridging Loan suits a single known buy; Credicorp Flex suits a manufacturer that buys in repeating waves. **We supply supermarkets on 60-day terms — can finance bridge that wait?** That gap is exactly what short-term working capital is for. A multiple or wholesaler can take 30, 60 or more days to pay while your ingredient bills, wages and energy costs fall due first; bridging the lag keeps the line running. **Can I use it for new equipment, an oven, or cold storage?** Yes. A new mixer, prover or oven, a packing or labelling line, a blast chiller, a walk-in freezer or extra chilled-storage capacity are all working-capital uses; a fixed-term Bridging Loan often fits a single equipment purchase cleanly. **Our demand is seasonal — does that change anything?** No. Many food businesses spike around Christmas, Easter or summer and buy ingredients and packaging months ahead. The borrower is still the company, and a facility you draw on as each build approaches — then pay down once orders ship — tends to fit better. Credicorp Flex is built for that. **Is this a consumer loan or a payday loan?** Neither. This is business credit to a body corporate, not consumer credit, and not for sole traders. Under Article 60B FSMA RAO 2001, lending to a UK company sits outside the consumer-credit regime. **How quickly can funds reach my business account?** Business loans are typically released to your company bank account on the same working day once the agreement is signed. Apply or check timing at credicorp.co.uk. ## Related sectors - [Manufacturing](https://credicorp.co.uk/industries/manufacturing/) — the same raw-material-run and big-order squeeze, with customer invoices to wait on. - [Hospitality & food](https://credicorp.co.uk/industries/hospitality/) — the kitchens and counters your product feeds, with feast-and-famine, seasonal cash flow. - [Wholesale & distribution](https://credicorp.co.uk/industries/wholesale/) — the buyers and distributors who take your pallets and pay on terms. Browse the whole set on the [industries hub](https://credicorp.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/).