--- title: "Business funding for property & lettings — working capital for UK landlord and agency companies" description: "How short-term business finance fits incorporated UK property and lettings companies — refurb between tenancies, void periods, deposits and bridging-style gaps before rent or a sale comes through. 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/property/" locale: "en-GB" updated: "2026-06-21" --- # Working capital for property & lettings > A plain-English guide to short-term working capital for incorporated UK property and lettings businesses. 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 landlord. 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, and it is not a buy-to-let mortgage or a secured property bridge. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## Why property & lettings firms run short on cash It is rarely about the underlying yield — it is about the gap between when a property costs money and when it earns it. In lettings, that gap is constant. - **Refurb has to happen before the rent restarts.** A tenant moves out and the unit can't earn again until it is put right — redecoration, a new kitchen or bathroom, flooring, or bringing it up to current standards — all paid for weeks before a new tenant signs. - **Void periods carry cost with no income.** An empty property doesn't pause its bills: council tax, service charges, insurance, standing utilities and any finance on it all keep running while no rent comes in. A run of voids quietly drains the cash the rest of the business relies on. - **Compliance and safety work can't wait.** Gas safety, EICR electrical checks, EPC improvements, alarms and HMO licensing are largely non-negotiable and time-bound — the work has to be done before a property can be let or kept let, regardless of whether this month's rent has landed. - **The money often arrives in one lump, later.** Deposits to secure a purchase, the cost of preparing a property for sale, or simply the wait for a completion or a backlog of rent — property income tends to be lumpy and back-loaded. That bridging-style gap between a known cost now and a known receipt later is exactly what short-term finance covers. ## Which finance fits a property business Three plain-English shapes of short-term credit — for the operational gaps around a portfolio, not for buying the bricks. The detail and the live terms sit with the lender — see [the products](https://creditcorp.co.uk/products/). - **Business Bridging Loan** — a fixed sum into the company account for a known, time-boxed turnaround: a refurb between tenancies, an EPC or electrical upgrade due before a let, a deposit to hold a purchase, or preparing a property for sale. - **Credicorp Flex** — a revolving facility to dip into and repay as units turn over; for a landlord or agency running several properties at different stages, you pay only for what you draw, not the whole limit. - **Credicorp Slice** — settle a chunky builder, electrician or furnishings bill in full today and repay over a few weeks for a flat fee, so the unit gets finished and re-let. We don't publish rates or terms here on purpose — they live with the lender so you always see current figures. Check the live pages on [credicorp.co.uk/compare](https://credicorp.co.uk/compare/) before you apply. This is short-term working capital, not a mortgage or a secured property bridge. ## The company borrows — not you Property owners know the routine: ask a bank or a bridging broker for working capital and the conversation quickly turns to a personal guarantee, or a charge over your own home on top of the charges already held against the rental properties. For someone whose net worth is already tied up in bricks and mortar, layering personal risk over an operational cash-flow gap is a heavy thing to sign. Credicorp is built differently: the agreement is between Credicorp and your **company** — the Ltd, LLP or PLC that holds the tenancies, the portfolio and the bank account. There is **no personal guarantee**, **no charge over a home** and **no personal credit check** on a director. The company stands on its own trading position. Because Credicorp lends only to bodies corporate, it sits outside consumer credit entirely — see [creditcorpgroup.co.uk/lending-and-regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example (illustrative, not a real customer) A small lettings company — a UK limited company holding nine residential units across two towns, all on assured shorthold tenancies — has a long-standing tenant give notice on one of the better flats. To re-let it at the rent the location now supports, it needs a proper turnaround: a new kitchen, redecoration throughout, a fresh EICR and a couple of remedial jobs the inspection throws up. The builder wants a deposit to start and the balance on completion. The flat earns nothing while the work is done and a new tenant is found — realistically a six-to-eight-week void — and the council tax, insurance and finance on it keep running throughout. On paper the company is sound: eight other units are paying, and once re-let this flat will pay more than before. In the bank account, it is funding a refurb plus a void out of the rest of the portfolio's rent, right when a second unit happens to be between tenants too. Rather than delay the works, let the flat cheaply or lean on the director personally, the company bridges the gap with short-term finance against its own trading position — covering the refurb and carrying the void — and repays as the new, higher rent comes through. Same portfolio, a better let; the cash was simply there when the work needed it. The right product for a situation like this is set on the lender at [credicorp.co.uk](https://credicorp.co.uk/). ## Common questions **Can my property company borrow without a personal guarantee or a charge over my own home?** Yes. Credicorp lends to the company — a UK limited company, LLP or PLC — not the director who signs. No personal guarantee, no charge over a home and no personal credit check on a director. **We need to refurbish a property between tenancies before it can be re-let. Can funding cover that?** That is one of the most common reasons landlord and agency companies look at short-term finance. A Business Bridging Loan or Credicorp Slice can cover a refurb, a safety remediation or a re-let cost while the unit is empty, with repayment timed around the rent resuming. **A property is sitting void with no rent coming in. Does that stop us borrowing?** Void periods are a normal part of property cash flow, not a red flag. Credicorp looks at the company as a whole — the portfolio and the rent due across it — rather than at a single empty unit. **Is this a mortgage or secured property lending?** No. Credicorp offers short-term, unsecured working capital for the company — not a buy-to-let mortgage, a development loan or a secured bridge against a title. It suits the operational gaps around a property business (refurb, voids, deposits, slow months) rather than buying the bricks. **Are you a bank, and is this regulated consumer credit?** No. Credicorp is an exempt business lender, not a bank and not a consumer-credit firm. It lends only to bodies corporate under Article 60B of the FSMA Regulated Activities Order 2001 — business credit, not a regulated consumer credit agreement. It is not for sole-trader landlords or personal-name borrowing. **Can a letting or managing agent use this, not just a landlord?** Yes, as long as you trade through a UK limited company, LLP or PLC. Agents carry their own cash-flow shape — funding marketing and works before a let completes, or covering the lag between paying contractors and recovering costs from landlords. ## Related sectors - [Construction & trades](https://creditcorp.co.uk/industries/construction/) — if you run your own refurb or build-out crews, funding materials and labour before a valuation or re-let lands. - [Professional services](https://creditcorp.co.uk/industries/professional-services/) — for managing agents and surveyors bridging the lag between work done and fees paid. - [Hospitality & food](https://creditcorp.co.uk/industries/hospitality/) — if your portfolio runs to serviced lets or short-stay units with their own seasonal swings. See the full [industries overview](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/).