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From the Jewellery Quarter to the Colmore business district, Birmingham companies juggle supplier terms, contract timing and seasonal demand. Credit Corp offers short-term lending to UK incorporated businesses based in and around Birmingham — no personal guarantee, same-day decisions.
UK Ltd or LLP ae · Nae personal guarantee · Decisions maist warkin days
Birmingham has one of the most diverse city economies in the UK. Its long manufacturing, engineering and automotive heritage sits alongside large professional-services, financial and digital sectors, a substantial wholesale and distribution base, and a busy hospitality and retail scene serving a growing city-centre population. That mix means cash-flow timing varies widely from one company to the next — a contractor in the supply chain waits on a stage payment, a Colmore-district firm fronts a project before fees land, a Bullring-adjacent retailer stocks up before a peak.
Credit Corp does not lend against a postcode or a local scheme — the decision is the same wherever your company trades. What a Birmingham base tends to mean in practice is a working-capital gap: money going out on materials, stock, wages or supplier invoices before the contract, customer or client pays. A short-term business loan is built to bridge exactly that defined gap, at a total cost you know before you draw.
Regeneration around the city centre, Smithfield and the wider HS2 corridor keeps a steady flow of project and contract work moving through Birmingham’s construction, fit-out and professional-services firms — work that frequently needs funding before it pays. Whatever your sector, the eligibility and the protections below are identical: we lend to the company, not to its directors.
Most Birmingham businesses come to us for a fixed sum to bridge a specific, short gap — a stock buy, a materials order, a supplier bill or a project cost — until known income lands. A fixed-term Credit Corp business loan covers that defined gap at a total cost you know from the outset, with no revolving trap and no personal guarantee.
If the need is one specific bill — a materials order, a wholesale invoice or an equipment service — Credicorp Slice spreads that single bill over 3 or 4 weekly instalments at a flat 6% fee with no interest compounding.
Find your fit
Tell us what you need and roughly how much. We’ll point you to the right product — it’s a guide to help you choose, not a lending decision or a quote.
A typical business in Birmingham might borrow £400.00 ower 42 days. Adjust the sliders tae match yer ain scenario.
This matches yer needs? Stairt yer application
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. Because we lend to the company, no director signs a personal guarantee.
Yes. Credit Corp lends to UK limited companies and LLPs, wherever in the UK they are based or trade. A Birmingham address is not a pricing factor. Eligibility is based on your company's financial position and incorporation status, not its postcode. Sole traders, partnerships and consumers are not eligible.
No. Credit Corp lends to the company itself — there is no personal guarantee and no personal liability for directors. If the company cannot repay, the claim sits with the company, not with individual directors.
Applications are reviewed as they arrive during business hours and we aim to make a credit decision the same working day. If approved, funds are typically sent to the company's business bank account by the end of the same working day or the next business day.
Interest can be quoted as a daily rate, a monthly rate or an APR — and the same loan can look very different depending on which you read. This guide explains how business loan interest is actually calculated so you can compare offers on a like-for-like basis.
Read the guide →Secured loans are backed by an asset; unsecured loans are not. That single difference changes the rate, the speed, the amount, and the risk. This guide explains how each works and when each makes sense for a UK business.
Read the guide →A personal guarantee makes a company director personally liable for a business debt — so if the company cannot repay, the lender can pursue the director's own assets. Lending without one keeps the borrowing where it belongs: with the company. This guide explains what a personal guarantee is, why it matters, and what no-personal-guarantee lending changes for UK directors.
Read the guide →Credit Corp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001), which puts this lending outside the consumer-credit regime. The Financial Ombudsman Service and Financial Services Compensation Scheme do not apply. Full details: regulatory status and responsible lending policy.
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