Short-term lending for creative, media and digital agencies
Design studios, media buyers, production houses and digital agencies front freelancer fees, production costs and ad spend long before a client invoice is settled on long payment terms. Credit Corp bridges that billing gap for UK incorporated creative and media businesses — no personal guarantee, same-day decisions.
UK Ltd or LLP ae · Nae personal guarantee · Decisions maist warkin days
Recognise ony o thir?
Freelancer or contractor fees to pay before the client pays you
Media or ad spend fronted on a campaign with 60-day client terms
Software, licences or kit needed for a new project
A large retainer client paying late and leaving a gap
If so, a Credit Corp short-term business loan could help you bridge that gap.
Whilk product fits?
Credicorp Loan
Recommendit for this sector
For an agency the squeeze is the lag between funding a project — freelancers, production, media — and being settled by the client weeks later. A fixed-term Credit Corp loan covers that defined billing gap at a total cost you know upfront.
When the need is one specific bill — a software licence, a freelancer invoice or a single media-buy — Credicorp Slice spreads that single bill over 3 or 4 weekly instalments at a flat 6% fee with no interest compounding.
Bills o £50–£2,000
Flat 6% fee — nae compoondin
3 or 4 weekly instalments bi Direct Debit
Settle early an we refund the unuised fee pro rata
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. We lend to the company, so no director signs a personal guarantee.
Wha can pit in?
UK leemitit company or LLP (body-corporate lendin anely — no sole traders)
6+ months tradin
Current UK business bank accoont
Director identity check (you, no the company, as the company's authorised representative)
Nae personal guarantee requirt — the obligation is the company's
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.
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.
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.
Can a creative or media agency apply for a Credit Corp business loan?
Yes. Credit Corp lends to UK incorporated limited companies and LLPs in creative and media — design studios, media buyers, production houses and digital agencies. Client type and project scale are not pricing factors.
Do companies in this sector need to provide a personal guarantee?
No. All Credit Corp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
How quickly can a company in this sector get a lending decision from Credit Corp?
Applications are reviewed as they arrive during business hours. Credit Corp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.
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 places the facility 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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