--- title: "Business funding for sports & leisure — working capital for UK clubs, leisure centres & activity venues" description: "How short-term business finance fits UK sports & leisure companies — gym and pitch equipment, a quiet off-season, a centre refit, or the lag before seasonal memberships renew. The company borrows, never the director: no personal guarantee, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/sports-leisure/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for sports & leisure > How short-term working capital fits a UK sports & leisure company — equipment, seasonal membership gaps, facility refits and new activity lines. 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://creditcorpgroup.co.uk/lending-and-regulation/). The products are the same three for every sector — a [Business Bridging Loan, Credicorp Flex or Credicorp Slice](https://credicorp.co.uk/products/). This page explains how each tends to be used by clubs, leisure centres and activity venues. ## Where the cash-flow gaps come from Leisure carries a heavy fixed cost against income that ebbs and flows with the seasons. Four pressure points come up again and again: - **Equipment that wears out — and dates** — cardio machines, free weights, pool plant, court surfaces, climbing holds, soft-play frames and pitch and ground kit all wear with use, and members notice the moment something sits out of order. Re-kitting is a large, lumpy outlay committed before it earns back through retained and new members. - **Seasonal membership and booking swings** — a swim school empties over summer, an outdoor activity venue goes quiet in winter, a gym lives for the January renewal spike. The trough still has to be heated, staffed and maintained, with cash earned and spent in the season before. - **Facility refits and upkeep** — changing rooms, a studio for new classes, an extra court, a reception or a café area is a one-off cost with a clear payback, but it lands all at once and is best done in the off-season closure when takings are lowest. - **Plant, heat and compliance that can't wait** — a failed boiler before a swim term, a pool pump, a cold-snap heating bill or a safety upgrade needed to stay open is not optional, and rarely arrives when the membership float can absorb it. ## Which kind of finance fits a club or centre The detail — amounts, pricing, terms — lives on the [products page](https://credicorp.co.uk/products/) and with the lender; no figures are quoted here. - **[Business Bridging Loan](https://credicorp.co.uk/products/)** — a single lump sum repaid over a short fixed term. Fits a known, one-off buy: a run of new cardio kit, a court resurface, a changing-room refit, a replacement boiler or the equipment for a new activity. - **[Credicorp Flex](https://credicorp.co.uk/products/)** — a revolving facility to draw on, repay and draw again. Fits leisure's natural rhythm: covering the quiet off-season, smoothing the wait for the January renewals, dipping in for a peak booking period and paying down as memberships come in. - **[Credicorp Slice](https://credicorp.co.uk/products/)** — spread one supplier bill over a few weeks while the supplier is paid in full today. Handy when an equipment order, a plant-service bill or a one-off maintenance invoice lands at an awkward moment. The journey end to end is on the [how-it-works overview](https://credicorp.co.uk/how-it-works/). ## The company borrows — not you Many operators have already signed personal guarantees they didn't love — a venue lease, an equipment-hire contract, a plant-service account. The Credicorp model is the other way round: the agreement is between Credicorp Limited and your **company**. - **No personal guarantee** — the company is the borrower, full stop. - **No charge over your home** — your house isn't security for gym kit or a pool pump. - **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 position is on [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example *An illustration, not a real customer.* A racquets and fitness club trading as a UK limited company runs a gym floor alongside indoor courts. By late summer the cardio line is showing its age and two courts need resurfacing before the autumn league season, when membership normally climbs. Committing now means the kit is ready for the busy term — but the bill is due months before those renewal fees arrive, and summer is the club's quietest stretch. Because the spend is one-off and the payback is clearly the season ahead, a fixed-term Business Bridging Loan to the company fits the new equipment and the resurfacing together: a known sum, repaid over the busier weeks that earn it back. The agreement is with the company, so the owner gives no personal guarantee and puts no charge over their home. If the summer lull also leaves a gap on staff and heating costs, a Credicorp Flex facility would let them draw against it and pay down as the autumn renewals land. *Made-up illustration to show the fit, not a quote — real amounts, pricing and terms are set by the lender at credicorp.co.uk.* ## Sports & leisure funding questions **Can my club or leisure centre borrow to replace worn equipment?** Yes — re-kitting is one of the most common reasons a leisure business uses short-term finance. A run of cardio machines, resurfaced courts, fresh climbing holds or replacement pitch and ground kit is a known, one-off cost; a Business Bridging Loan suits that single capital buy. **Membership income is seasonal — can finance bridge the quiet months?** Yes. A summer-quiet swim school, a winter-quiet activity venue or a gym waiting for January renewals all spend through the lull before income returns. Credicorp Flex is built for that rhythm — draw down to cover the trough, pay back as memberships renew. **Will I have to give a personal guarantee or a charge over my home?** No. Credicorp lends to the company, not to you as a director — no personal guarantee, no charge over a home, no personal credit check on a director. **Can I use it to refit a facility or fund a new activity line?** Yes. A changing-room refurbishment, a new studio, an extra court or pitch, a soft-play rebuild or the kit for a new activity are all working-capital uses; a fixed-term Bridging Loan often fits a refit cleanly, with Flex available for a phased programme. **Is this a consumer loan or a payday loan?** Neither. This is business credit to a body corporate, not consumer credit, and not for sole traders. Under Article 60B FSMA RAO 2001, lending to a UK company sits outside the consumer-credit regime. **How quickly can funds reach my business account?** Business loans are typically released to your company bank account on the same working day once the agreement is signed. Apply or check timing at credicorp.co.uk. ## Related sectors - [Fitness & leisure](https://creditcorp.co.uk/industries/fitness/) — studios and gyms with the same membership-led cash flow that dips and spikes through the year. - [Hospitality & food](https://creditcorp.co.uk/industries/hospitality/) — another venue trade with feast-and-famine, seasonal takings and heavy fixed costs. - [Property & lettings](https://creditcorp.co.uk/industries/property/) — covering works and upkeep on a venue or site between income coming in. Browse the whole set on the [industries hub](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/).