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York's incorporated companies trade across a heavily tourism-driven city centre and a growing bioscience and rail-engineering base — Credit Corp offers short-term lending to UK incorporated York businesses, no personal guarantee, same-day decisions. £50–£500 over 14–84 days.
UK Ltd or LLP ae · Nae personal guarantee · Decisions maist warkin days
York's city-centre economy is dominated by tourism, independent retail and hospitality, drawing millions of visitors a year to the Shambles, the Minster quarter and the surrounding streets. Incorporated cafes, shops, guesthouses and attractions face a sharply seasonal pattern — stocking up and staffing ahead of half-terms, summer and Christmas, then trading through quieter winter weeks with the same fixed rent and wage bill.
Away from the historic centre, York hosts a significant bioscience and biotech cluster around the University of York and the Sci-Tech Daresbury-linked innovation park, alongside a long rail-engineering heritage that continues through National Rail and its supply chain. These incorporated companies typically work to milestone or grant-adjacent payment cycles that are structured but slow to land.
A retailer restocking before the tourist season, a guesthouse covering a quiet January, or a bioscience spin-out bridging the gap to its next funding milestone all face the same underlying problem: money going out before it comes in. A short, fixed-term loan is built to close a defined gap of exactly that kind.
Credit Corp does not lend against a postcode — the decision is identical wherever your company trades. A limited company registered in York city centre, Clifton Moor or the wider North Yorkshire area is assessed on exactly the same basis, with no personal guarantee and no personal liability for directors.
Most York businesses need a fixed sum to bridge a specific, short gap — a seasonal stock buy, a quiet-month shortfall or a project cost — until known visitor or contracted 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 wholesale order or an equipment service invoice — 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 York might borrow £300.00 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 York address is not a pricing factor. Eligibility is based on your company's financial position and incorporation status, not its postcode.
No. Credit Corp lends to the company itself — there is no personal guarantee and no personal liability for directors.
Applications are reviewed as they arrive during business hours and we aim to make a credit decision the same working day, with funds typically sent 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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