--- title: "Business funding for opticians — working capital for UK optician practices" description: "How short-term business finance fits incorporated UK optician practices — frame and lens stock, test equipment, a practice fit-out, and the wait on insurer and NHS payment runs. 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/opticians/" locale: "en-GB" updated: "2026-06-22" --- # Working capital for optician practices > How short-term business finance fits incorporated UK optician practices. 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 optician practices hit a cash gap Optics businesses carry significant stock and face delayed reimbursement: - **Frame and lens stock** — a full display requires a substantial upfront inventory investment before any sale is made. - **Diagnostic equipment** — an OCT scanner, a tonometer or an auto-refractor is a large capital cost that earns gradually through the patient list. - **NHS GOS payment lag** — NHS general ophthalmic services fees are paid monthly in arrears; a busy practice floats a significant sum between service delivery and payment. - **Insurance reimbursements** — health insurer claims settle on their own schedule, often 30–60 days behind treatment. - **Practice fit-out** — a new or refurbished practice requires capital before a single patient walks through the door. - **Contact lens subscriptions** — stocking contact lens brands ahead of patient demand ties up cash. ## 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 piece of diagnostic equipment, a fit-out cost, a specific frame collection buy-in. - **An ongoing swing — Credicorp Flex.** A revolving facility to bridge NHS and insurer payment lags; repay as payment runs clear and draw again as new claims are submitted. - **One supplier bill to spread — Credicorp Slice.** Settles a single supplier invoice — a frame delivery, a lens stock order — 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 optician is not eligible. ## Opticians — common questions **Can a limited-company optician practice 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. **NHS payments arrive monthly but we carry significant stock. Can we bridge that gap?** Yes. A Credicorp Flex facility handles a recurring lag between stock purchased and reimbursement received — draw when stock costs hit, repay when NHS or insurer payments arrive. **We want to buy an OCT scanner. What fits?** A defined equipment cost fits a Business Bridging Loan — a single lump sum over a short fixed term. For a single supplier 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 - [Healthcare](https://creditcorp.co.uk/industries/healthcare/) - [Dental](https://creditcorp.co.uk/industries/dental/) - [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/).