--- title: "Business funding by industry — sector-by-sector working capital for UK companies" description: "How short-term business finance fits 16 UK sectors — retail, hospitality, construction, manufacturing, healthcare, logistics and more. Plain-English guides for incorporated businesses, where the company borrows and there is no personal guarantee. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/" locale: "en-GB" updated: "2026-06-21" --- # Business funding, by industry > Sixteen plain-English guides to how short-term working capital fits different UK trades. 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://creditcorp.co.uk/lending-and-regulation/). Whatever the sector, the products are the same three — a [Business Bridging Loan, Credicorp Flex or Credicorp Slice](https://creditcorp.co.uk/products/). These pages explain how each tends to be used in a given trade. ## The sixteen sectors - [Retail & shops](https://creditcorp.co.uk/industries/retail/) — buy stock ahead of a busy season, fit out a unit, or smooth the gap between paying suppliers and ringing the till. - [Hospitality & food](https://creditcorp.co.uk/industries/hospitality/) — cover a slow January, refit a kitchen, or stock up before a busy season; funding shaped around feast-and-famine cash flow. - [Construction & trades](https://creditcorp.co.uk/industries/construction/) — buy materials before the first valuation lands, take on a bigger contract, or bridge a slow-paying main contractor. - [Manufacturing](https://creditcorp.co.uk/industries/manufacturing/) — fund a raw-materials run, fulfil a large order, or keep the line moving while customer invoices catch up. - [Professional services](https://creditcorp.co.uk/industries/professional-services/) — bridge the lag between billable work done and invoices paid; hire, expand, or steady the practice between fee cycles. - [Healthcare & dental](https://creditcorp.co.uk/industries/healthcare/) — spread the cost of equipment, fund a refit, or cover a gap between treatment and payment. - [Logistics & transport](https://creditcorp.co.uk/industries/logistics/) — cover fuel and wages on long payment terms, fund a busy run, or get a vehicle back on the road fast. - [Automotive](https://creditcorp.co.uk/industries/automotive/) — stock the forecourt, buy parts for a big job, or keep the workshop turning while customer payments come in. - [Beauty & wellness](https://creditcorp.co.uk/industries/beauty/) — refit a salon, stock retail lines, or fund a new treatment room; finance that fits an appointment-led business. - [Agriculture & farming](https://creditcorp.co.uk/industries/agriculture/) — bridge the long gap between outlay and harvest, buy inputs for the season, or cover a quiet stretch between subsidies. - [Technology & IT](https://creditcorp.co.uk/industries/technology/) — fund a hire ahead of revenue, cover kit for a new contract, or bridge milestone-based client payments. - [Wholesale & distribution](https://creditcorp.co.uk/industries/wholesale/) — buy in bulk to hit a price break, fund a big order, or cover the gap between paying makers and being paid by stockists. - [Creative & media](https://creditcorp.co.uk/industries/creative-media/) — fund a production up front, cover freelancers and kit, or bridge the wait for a client or platform to settle up. - [Fitness & leisure](https://creditcorp.co.uk/industries/fitness/) — kit out a studio, fund a refit, or steady the cash flow that dips and spikes with memberships and the seasons. - [Property & lettings](https://creditcorp.co.uk/industries/property/) — cover works between tenancies, fund a refurbishment, or bridge the gap before rent or a sale comes through. - [E-commerce & online](https://creditcorp.co.uk/industries/ecommerce/) — buy inventory before a peak, fund ad spend that pays back later, or bridge the wait for marketplace payouts. ## Don't see your trade? These sixteen are the sectors we hear from most, but the rule is the same whatever you do: if you're a UK limited company, LLP or PLC needing short-term working capital, the products are built for you. See [How it works](https://creditcorp.co.uk/how-it-works/) and the [FAQ](https://creditcorp.co.uk/faq/), or talk to the lender's team at [credicorp.co.uk](https://credicorp.co.uk/contact-us/). ## 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/).