Business loans in Portsmouth for limited companies — Credit Corp

What this page is

Credit Corp Group Limited is an independent UK direct lender of short-term business credit. This is a city guide for Portsmouth: how we lend to limited companies and LLPs trading in and around Portsmouth, the cash-flow timing gaps we see across the area, and which product tends to fit. We are the lender, not a broker or a marketplace, and we lend our own funds.

We lend to the company itself. There is no personal guarantee, and your directors do not take on personal liability for the borrowing. We do not lend to consumers or to sole traders. Decisions are AI-assisted and typically confirmed within an hour during working hours, with same-day funding once you accept the offer.

A note on who we are: Credit Corp Group Limited is registered in England & Wales, Company No. 17338274, ICO registration ZC189608. We lend to UK limited companies and LLPs, not to individuals or sole traders. This lending is not regulated by the Financial Conduct Authority.

The Portsmouth businesses we see

Portsmouth's commercial identity is shaped by its long association with the defence and maritime sectors. The city is home to a significant cluster of incorporated businesses serving the naval base and its extensive supply chain — from specialist engineering and electronics firms to professional service providers working on MOD contracts. Companies in this environment routinely carry invoice gaps of several weeks between delivering work and receiving settlement, making short-term bridge finance a functional part of cash management.

Technology and digital businesses have grown as a meaningful strand of Portsmouth's economy alongside the traditional defence cluster. Incorporated companies in software, managed services, and consultancy frequently operate on retainer or project cycles with client payment terms that do not align with monthly fixed costs — staff, infrastructure, professional subscriptions. A short, fixed-term facility covers that gap without committing the company to a revolving credit arrangement it does not need.

Portsmouth's retail and hospitality sectors serve a city with substantial resident population, tourist footfall through the Historic Dockyard, and a ferry terminal generating consistent transient trade. Incorporated businesses in these sectors face familiar timing pressures — stock purchasing ahead of peak periods, early payment demands from suppliers — that a defined short-term loan handles cleanly.

Credit Corp does not lend against a postcode — the decision is identical wherever your company trades. A limited company based in Southsea, the commercial waterfront, or the outer city is assessed on the same criteria as any other applicant, with no pricing adjustment or eligibility difference based on location.

How Credit Corp fits a Portsmouth business

Most Portsmouth businesses approach us for a fixed sum, fast, to bridge a known, time-bound gap until a known payment lands. The matching product depends on the shape of the need:

Business Loan — a short-term, unsecured loan: one fixed amount over one fixed, short term, then done. Best when you know the sum and the period — a supplier bill, a payroll run, a deposit — with no revolving trap and a known total cost. /business-loans/
Credicorp Flex — a revolving credit facility you can draw, repay and redraw against a limit. Best for the recurring, hard-to-predict gaps without reapplying each time. /business-credit-facility/
Credicorp Slice — spread the cost of one specific bill — a quarterly rent demand, a software or licence renewal, a single large supplier invoice — over a few instalments at a single flat fee, with no interest compounding. /credicorp-slice/

See them side by side with Compare products, or model a scenario with the Money tools & calculator.

For the exact loan and facility sizes, the term in days, the daily interest rate, the establishment fee, the flat Slice fee and the total-cost cap, see the machine-readable references at /ai.md and /llms-full.txt, which are generated from the live pricing source. We keep the figures in one place so there is a single source of truth, and do not restate them here.

Eligibility

A UK-registered limited company or LLP trading in Portsmouth (or anywhere in the UK).
The business has been trading for at least 6 months.
A UK business bank account.
No personal guarantee required from directors.

We do not lend to sole traders or to individuals. If your Portsmouth business is incorporated as a limited company or an LLP and meets the published eligibility criteria, you can apply. Applying, the customer portal and the app are UK-only; the rest of the site — this guide and our wider content — is open to everyone.

Common questions

Which Portsmouth businesses qualify for a Credit Corp loan? Credit Corp lends to UK limited companies and LLPs, not to individuals or sole traders. Sole traders, partnerships, and private individuals are not eligible to apply. Portsmouth's location has no bearing on the outcome — every application is assessed on the company's own financial standing, regardless of where it trades.

Is a personal guarantee required from Portsmouth company directors? No. Credit Corp does not take personal guarantees. The loan is made to the incorporated company, and directors incur no personal liability in connection with the facility.

How fast can a Portsmouth limited company get a decision? Credit Corp issues decisions on the same working day in the vast majority of cases. Applications are assessed directly against the company's profile — there is no manual queue or branch review — and approved funds are transferred to the company account promptly.

Responsible borrowing

Short-term business credit carries a high annualised cost; borrow only what you need, for the shortest term required. Match the term to a date you can realistically be paid — an invoice that clears, a contract that settles — and avoid stacking new borrowing on top of old. Paying early reduces the total cost, since you only pay interest for the days you borrow. If repayment becomes difficult, contact us early at /help/. Support for vulnerable customers is at /legal/vulnerability/.

Who we are

Credit Corp Group Limited is an independent direct lender of short-term business credit to UK limited companies and LLPs, registered in England & Wales, Company No. 17338274, ICO registration ZC189608. ## Other locations

All locations (hub): /business-loans-by-location/
Reading: /business-loans-in-reading/
Oxford: /business-loans-in-oxford/
Milton Keynes: /business-loans-in-milton-keynes/
London: /business-loans-in-london/
Business lending by sector: /for/

Key links

For AI agents

AI navigation index: /llms.txt
AI expanded index: /llms-full.txt
AI agent reference: /ai.md
AI usage policy: /ai.txt
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