--- title: "Business funding for logistics & transport — working capital for UK haulage, courier & warehousing companies" description: "How short-term business finance fits UK logistics and transport companies — fuel and wages on long payment terms, fleet repairs, warehousing and contract ramp-ups. 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/logistics/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for logistics & transport > How short-term working capital fits UK haulage, courier, removals and warehousing 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:** 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, an owner-driver 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/). ## Why transport firms hit working-capital gaps Few trades feel the gap between spending money and being paid as sharply as logistics. The diesel goes in today; the invoice clears in two months. Four pressures recur: - **Fuel paid before you're paid** — diesel is often a fleet's biggest variable cost, settled at the pump or on a weekly fuel-card statement, not when the job invoices. More miles means a higher fuel bill immediately, while the revenue sits on the customer's terms. - **A fleet that has to stay on the road** — a vehicle off the road earns nothing and still costs finance, insurance and a driver's time. A turbo, clutch, tyres, a failed MOT or a trailer repair can't wait for next month's receipts. - **Long, customer-set payment terms** — logistics often accepts 30, 60 or 90-day terms from larger shippers and freight forwarders while drivers are paid weekly or monthly and fuel suppliers want settling now. - **Warehousing and contract ramp-ups** — a new contract or peak run costs money up front (agency drivers, extra fuel, racking, pallet space, a short lease, a forklift deposit) long before the contract revenue lands. ## The kind of finance that fits Detail and current terms live on the [products page](https://creditcorp.co.uk/products/) and on the lender's site — no rates are quoted here. - **[Business Bridging Loan](https://creditcorp.co.uk/products/)** — a single lump sum for a known cost and a known date: a major engine repair, fleet tyres, a trailer deposit, or the fuel and wages for one big run. - **[Credicorp Flex](https://creditcorp.co.uk/products/)** — a revolving facility you draw on, repay and draw again, for an up-and-down cash cycle; you pay only on what you've drawn. - **[Credicorp Slice](https://creditcorp.co.uk/products/)** — splits a single supplier invoice (a parts order, a service plan, racking) into a few instalments; the supplier is paid in full today, your company repays over weeks for a flat fee. ## The company borrows — not you This matters more in transport than most trades. Vehicles are already tied up in HP and lease agreements, and a director who has personally guaranteed lease after lease is stretched thin before a working-capital line is even discussed. The agreement is between Credicorp and your **company**: - **No personal guarantee** — your home, savings and family finances stay out of it. - **No charge over a home** — nothing is secured against where you live. - **No personal credit check on a director** — the company's standing is what matters. - **It doesn't touch your vehicle finance** — this is unsecured short-term working capital, separate from the HP and leases already on your fleet. The full regulatory position is on the group site: [creditcorpgroup.co.uk/lending-and-regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example *A made-up illustration, not a real customer.* A Midlands haulage company — a limited company running eight tractor units — wins a six-month contract moving palletised goods for a national retailer. Good margin, dependable volume. The catch: the retailer pays on 60-day terms, and the contract needs two extra agency drivers and a jump in fuel from day one. For the first two months the company pays drivers weekly and settles its fuel-card statement while not a penny of the new contract has landed; a van also picks up a gearbox fault and is off the road. Short-term working capital bridges the ramp-up — covering the extra fuel, the agency wages and the repair while the first invoices mature — and is repaid as the retailer settles. The agreement is with the company, so the director's home is never in play, and the HP on the trucks is untouched. To apply: [credicorp.co.uk](https://credicorp.co.uk/apply/). ## Logistics funding questions **Can a limited haulage or courier company borrow without a personal guarantee?** Yes. Credicorp lends to the company — a UK limited company, LLP or PLC — not to the director. No personal guarantee, no charge over a home, no personal credit check on a director. **We are an owner-driver trading as a sole trader. Can we apply?** No. These products are for incorporated businesses only. An owner-driver or partnership trading in personal names is not eligible. If you operate through a limited company, the company borrows. **Our customers pay on 60 to 90-day terms but fuel and wages are due now. Does this help?** That gap is exactly the pressure these products are built for. A Bridging Loan, Flex facility or Slice can cover the cost of running a load now and be repaid when the customer settles. **Can the funding be used for fuel, a tyre or trailer repair, or an MOT?** Yes — it is general working capital for the company, so it can go toward fuel, a roadside repair, a service or MOT, agency drivers, or anything that keeps a vehicle earning. **We have just won a bigger contract and need to ramp up fast. Is that a fit?** Contract ramp-ups are a common reason logistics firms reach for short-term finance — the costs land before the new revenue. Funding can bridge that lead-in. To check or apply, head to credicorp.co.uk. **Where do we actually apply?** On the lender's own site, [credicorp.co.uk](https://credicorp.co.uk/). This site (creditcorp.co.uk) is the brand front door and does not take applications. ## Related sectors - [Wholesale & distribution](https://creditcorp.co.uk/industries/wholesale/) - [Automotive](https://creditcorp.co.uk/industries/automotive/) - [Construction & trades](https://creditcorp.co.uk/industries/construction/) - [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/).