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Working capital for the green trade.
Landscaping spends before it is paid — the turf, the paving and the plants land on site weeks before the final invoice clears, and the work is fiercely seasonal. These plain-English notes look at how short-term finance fits a UK landscaping or grounds company, and on every one, the company borrows, never you personally. No personal guarantee.
Few trades carry as much cash out the door before a penny comes back as landscaping. You buy the materials, hire the plant and put a crew on the ground for days or weeks before the job is signed off — and the busiest months are exactly when the yard is fullest of stock waiting to be laid.
Creditcorp is the growing name for the Credicorp group, and Credicorp Limited is the lender behind it. It does one thing: short-term working capital for incorporated UK businesses. This page is a guide, not an application — when you’re ready, applying happens on the lender’s own site, credicorp.co.uk.
Throughout, the borrower is the company — a UK private limited company (Ltd), LLP or PLC — not the director who signs. No personal guarantee, no charge over a home, no personal credit check on a director. These are not personal loans, payday loans or sole-trader finance.
Where the cash-flow gaps come from
In landscaping the money goes out in one big lump at the start of a job and the seasons, and comes back slowly at the end. Four pressure points show up again and again.
Materials and plants before payment
Turf, topsoil, aggregates, paving, timber, fencing and planting stock all have to be bought, delivered and sitting in the yard or on site before a build begins. On a domestic garden the client might pay in stages; on a commercial scheme the final account can run weeks past completion. Either way you fund the materials long before the invoice clears.
Machinery and plant
A ride-on mower, a mini-digger, a chipper, a stump grinder, a tipper or a trailer is a sizeable outlay — but you cannot take the work without the kit. Whether you are replacing a tired machine before the cutting season or buying plant to chase a bigger contract, the cost lands up front while the earnings come over the jobs that follow.
Seasonal demand
The green trade lives by the calendar. Grass-cutting rounds and soft-landscaping fall away in winter, ground works stall in hard weather, and yet vehicles, yard rent and a skilled crew you don’t want to lose all carry on costing money. Spring then arrives with a rush of work that needs materials and labour funded before any of it bills.
Contract timing on grounds maintenance
Grounds-care contractors carry steady, recurring work for councils, estates, managing agents and facilities firms — but those clients pay on their own monthly terms while wages, fuel and consumables go out weekly. The gap between doing the work and being paid for it is a permanent feature of the contract, not a one-off.
Which kind of finance fits a landscaping firm
Three shapes of short-term working capital, and how each tends to land in the green trade. The detail — amounts, pricing, terms — lives on the products page and with the lender; we won’t quote figures here.
A Business Bridging Loan — for a known, one-off cost
A single lump sum, repaid over a short fixed term. It fits the landscaping jobs you can put a figure on: the full material order for a big build, a mower or mini-digger you need in hand, a deposit on a large commercial scheme. You know the cost and you can see the job that will clear it. More on the Bridging Loan →
Credicorp Flex — for the seasonal, multi-job rhythm
A revolving facility the company can draw on, repay and draw again. This suits the natural pattern of the trade — funding several jobs at once, drawing down through a quiet winter and paying back as spring fills up, topping up materials as each project starts — without arranging fresh finance every time. More on Credicorp Flex →
Credicorp Slice — for a single supplier bill
Spread one supplier invoice over a few weeks while the supplier is paid in full today. Handy when a builders’ merchant or a turf and aggregates bill for one job lands at an awkward moment and you’d rather smooth it across the weeks until the client settles. More on Credicorp Slice →
The company borrows — not you
Plenty of landscapers have already signed personal guarantees they didn’t love — a van lease, an equipment HP deal, a builders’ merchant account. The Credicorp model is the other way round: the agreement is between Credicorp Limited and your company, so the working capital itself doesn’t add to what’s pinned to your own name.
- No personal guarantee — the company is the borrower, full stop.
- No charge over your home — your house isn’t security for turf and paving.
- 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 regulatory position — and the company and trade-mark detail behind the group — is set out on the group site, creditcorpgroup.co.uk.
A worked example
An illustration, not a real customer — just to show the shape of it in landscaping.
A landscaping firm trading as a UK limited company wins a large garden build for a new housing development, due to start in early spring. The job needs paving, turf, topsoil, planting and fencing on site before the first stage payment, and the contract settles the bulk of the value on completion several weeks later. At the same time the company’s old ride-on mower is on its last season, and the grass-cutting rounds it services will resume the moment the weather turns.
Because the build is a known job with a clear payback at completion, a fixed-term Business Bridging Loan to the company funds the material order and the new mower together: a known sum, repaid over the weeks until the final account is settled. The agreement is with the company, so the owner gives no personal guarantee and puts no charge over their home. If a run of smaller spring jobs then land at once, a Credicorp Flex facility would let them draw again for materials without starting over.
Landscaping funding questions
The questions landscapers and grounds contractors ask most. For anything specific to your business, the lender’s team are at credicorp.co.uk.
Can my landscaping company fund plants and materials before the client pays?
Yes — that gap is the single most common reason landscapers reach for short-term finance. Turf, topsoil, paving, plants, aggregates and timber often have to be bought and on site before the first stage payment, and on a build the final invoice can be weeks out. A Business Bridging Loan suits a single large material order tied to one job; Credicorp Flex suits a contractor juggling several jobs at once. The specifics sit with the lender at credicorp.co.uk.
Will I have to give a personal guarantee or a charge over my home?
No. Credicorp lends to the company — your UK limited company, LLP or PLC — not to you as a director. There is no personal guarantee, no charge over a home and no personal credit check on a director. For a grounds-care business whose owner has already put their name to a vehicle lease or an equipment HP agreement, keeping the working capital itself off your own name is a real difference.
Can I use it to buy a mower, a mini-digger or other machinery?
Yes. A ride-on mower, a mini-digger, a chipper, a stump grinder, a trailer or a tipper are all working-capital uses when you need the kit in hand to take on the work. Because the cost is known up front and the machine starts earning the moment it is on site, a fixed-term Bridging Loan often fits a single purchase cleanly. The lender confirms what suits your case.
How do I get through a quiet winter?
Grounds maintenance and landscaping both thin out in the coldest months — mowing stops, ground work waits for the weather, and yet wages, vehicle costs and yard rent carry on. A revolving Credicorp Flex facility lets the company draw down through the lean weeks and pay back as spring contracts and grass-cutting rounds pick up again, rather than arranging fresh finance every winter.
I hold long grounds-maintenance contracts — does that help?
The borrower is still the company, but a book of recurring grounds contracts is exactly the kind of steady, predictable income that short-term working capital is built around. The pressure for contractors is usually timing — paying the crew and the fuel monthly while a council, managing agent or estate settles on its own terms. Talk the pattern through with the team at credicorp.co.uk.
Is this a consumer loan or a payday loan?
Neither. This is business credit to a body corporate, not consumer credit, and it is not for sole traders or anyone borrowing in their own name. Under Article 60B of the FSMA Regulated Activities Order 2001, lending to a UK company sits outside the consumer-credit regime. The full position is on the group site, creditcorpgroup.co.uk.
More general questions are answered on the FAQ, and the whole journey is on the how-it-works overview.
Related sectors
Landscaping shares its materials-first, weather-led cash-flow shape with a few near neighbours.
- Construction & trades — the same buy-materials-before-the-valuation gap, on a build-site scale.
- Agriculture & farming — another outdoor, seasonal trade with a long gap between outlay and the season’s return.
- Property & lettings — the grounds and outdoor works behind estates and lettings, funded between tenancies.
Or browse the whole set on the industries hub. Company and legal detail for the group lives on creditcorpgroup.co.uk.
Ready when you are
Whatever your next job needs funding for, applying, drawing down and managing your account all happen on the lender’s site, credicorp.co.uk.