Credit Corp Group is now active. Credit Corp is joining the group — for now, keep using Credit Corp as normal. Read about the transition

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 Slice — split a single bill

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
About Credicorp Slice

See the cost for yer sector

A teepical creative media business micht borrae £350.00 ower 42 days. Adjust the sliders tae match yer ain scenario.

Business Lendin

£50 £500
14 days 84 days
Repeyment frequency

Ye borrae
Tairm
Set-up fee
Interest chairge
Hale repeyment
Ilka week
Representative APR

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. 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

Pit in nouLog inHelp Centre

Guides for yer business

No personal guarantee business loans: what it really means

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 →

Brouse aw business guides →

Common speirins

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.

Lending for other sectors

Help

Help centre

Answers, deep-linked from this page. Opens the full help centre in a new tab.

Credit Corp Group is now active

Credit Corp is joining Credit Corp Group

Credit Corp Group is now active as our group company. For now, keep using Credit Corp exactly as you do today — nothing about your agreement, your account or how to reach us changes. The move happens in phases, with clear notice.

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