Your account

You can request a copy of your Business Loan Agreement whenever you need it — for example, for your records or to check the terms. There is no charge for a reasonable request.

Your agreement is the document that governs your loan: it sets out the amount borrowed, the rate and how interest is applied, your repayment schedule, and any fees that can arise. If you want to understand a specific figure, the agreement is always the definitive source.

Complete the Request a Copy of Your Agreement form and we will send a copy to the contact details we hold for you. You can also ask for a statement of account if you need a current breakdown of payments and balance, or check how interest is charged on your loan.

See also: How do I add users to my company account?, Changing the main account administrator, Changing your communication preferences.

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Many businesses want their accountant or bookkeeper to see statements and documents directly, rather than forwarding everything by email. You can give an external adviser access in a controlled way.

How to do it

• Sign in as an administrator and open the Users area
• Invite your accountant using their work email address
• Choose a role that suits their work, often view-only

View-only access lets your accountant download statements and documents for bookkeeping and year-end without being able to make changes or raise requests. If they need to do more, you can choose a higher role, but it's wise to grant only what they genuinely need.

Keeping control

• Use the adviser's own email rather than sharing a company login
• Review their access at the end of an engagement
• Remove access promptly if you change advisers

Remember that your company remains the account holder and is responsible for everyone you invite, including external advisers. If you'd rather not give portal access, you can simply download documents yourself and share them, or ask our support team about the options available.

For more on access levels, see adding users to your company account, understanding user roles and permissions and where to find your account documents.

See also: Can I get a copy of my Business Loan Agreement?, Changing the main account administrator, Changing your communication preferences.

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If your business has more than one facility with us, you don't need a separate login for each. Your account brings everything together, so your team can see the whole picture in one place.

How facilities appear

• Each Credicorp Flex or Slice facility is listed separately within your account
• You can open any one to see its balance, statements and documents
• An account overview helps you see what's active at a glance

Keeping things clear

Because each facility is shown on its own, it's easy to match payments and statements to the right one when you reconcile your books. Documents are filed against the facility they relate to, so your accountant can find what they need for each one.

Users and facilities

The users and roles on your account apply across the facilities it holds, so an administrator manages access once rather than facility by facility. If you'd prefer different people to handle different facilities, set roles to match how your finance team is organised. If you're considering an additional facility, our team can explain how it would sit alongside what you already have.

See also: Understanding user roles and permissions, How do I add users to my company account?, Where to find your account documents.

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If your limited company has both a Business Loan and a Credicorp Flex facility, or is using Slice alongside another product, all of them appear under your single company account. There is no need for separate logins or multiple accounts.

How facilities are displayed

Each facility is shown as a separate card on the dashboard summary panel, labelled by product type and the date it was opened. Drawdown actions, repayment schedules, and transaction histories are kept separate per facility so your records remain clean. The overall activity feed combines events from all facilities in date order, but each event is tagged with its source product.

Running a Business Loan alongside Flex

Some companies use a Business Loan for a one-off capital purchase while keeping a Flex facility available for working capital. These run independently — the Flex limit is not affected by the outstanding Business Loan balance, and repayments on each product follow their own schedule. Your dashboard shows both clearly without conflating balances.

Adding a new facility to an existing account

If you already have an account and want to apply for an additional product, start a new application from Dashboard → Apply for Finance. Your company's existing account details pre-populate the application, and approval decisions typically reference your repayment history with us.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: What information does the Credicorp dashboard show?, What happens to account access when a director leaves the company?, Can I manage more than one facility from a single account?.

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Sometimes you want fewer messages without changing anything about your facility, for example during a quiet period or while a colleague is on leave. You can adjust optional notifications while keeping your account fully active.

What you can quieten

• Optional product news and service updates
• Non-essential reminders you'd rather not receive

Open the Notifications section of your account settings and switch off the optional alerts you don't want. Each user controls their own settings, so turning yours down won't affect a colleague's.

What you'll still receive

Essential service messages cannot be paused, because they relate to the operation of your agreement. These include important notices about your account and your Credicorp Flex or Slice facility, and anything we're required to send. This protects you from missing something that affects your business.

Cover while you're away

If you're going to be out of the business, it's better to make sure another active user receives important alerts than to mute everything. That way nothing time-sensitive is missed. You can turn your notifications back up whenever you like, and changes take effect straight away.

See also: Managing your notification preferences, Why am I not receiving account emails?, How do I add users to my company account?.

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The account administrator manages users, contact details and settings on your company's Credicorp account. When that person leaves or moves on, it's important to transfer those responsibilities so the account stays under proper control.

Where there is more than one administrator

If your account already has another administrator, the handover is simple. The existing administrator can promote a colleague to administrator and then remove or downgrade the person who is leaving. We recommend keeping at least two administrators at all times so you are never locked out of user management.

Where there is only one administrator

If the sole administrator is leaving before appointing a replacement, contact our support team. To protect your business, we will need to confirm that the request genuinely comes from the company before we make any change. We may ask for details that show the request is authorised by someone with authority to act for the company.

After the change

• Review the full user list and remove anyone who no longer needs access
• Check that company contact details and notification settings are still correct
• Make sure the new administrator knows how to reach our support team

The account remains the company's throughout; you are simply changing who manages it on the company's behalf.

Related account controls include adding users to your company account, removing a user from your account and understanding user roles and permissions.

See also: Can I get a copy of my Business Loan Agreement?, Changing your communication preferences, Closing your account: what to do first.

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You can choose how Credicorp gets in touch with you for different types of communication, and you can update those preferences whenever your circumstances change. This is separate from your notification content preferences — see managing your notification preferences for which types of message you receive.

What communication preferences cover

Communication preferences control the channel we use — email, phone or post — for different categories of message. They do not change the contact details themselves; if your phone number or email address has changed, update those first. See how to update your contact details.

The categories you can typically set preferences for include:

• Account notices — statements, payment confirmations, and changes to your agreement.
• Security alerts — sign-in from a new device, password changes, and suspicious activity warnings. These are always sent to at least one verified channel.
• Payment reminders — upcoming due dates and confirmation that a payment has been received.
• Service updates — information about new features, planned maintenance, or changes to how the portal works.

How to change your preferences

1. Sign in to your account at clients.credicorp.co.uk/login.
2. Go to Settings and look for Communication preferences or Contact preferences.
3. For each category, choose your preferred channel — typically email, phone or post. You can usually select more than one channel per category if you want messages to reach you in more than one way.
4. Save your changes. They take effect immediately.

Messages we will always send

Some communications are essential to the operation of your agreement and cannot be switched off or restricted to a single channel. These include important legal notices, changes that affect your facility, and anything we are required to send you by regulation. Security alerts about unusual account activity are also sent regardless of your preferences — they use every verified channel we hold for you.

Preferences are per-user

If more than one person on your team has a login, each person sets their own communication preferences. This means the finance director can receive payment confirmations by email while the office manager gets them by phone, and neither setting affects the other. See adding users to your company account if you need to set up additional logins.

When to review your preferences

Review your communication preferences whenever something changes in your business — for example:

• A key contact leaves or joins the team.
• Your company moves to a new office or changes its phone system.
• You bring in an accountant or bookkeeper who needs to receive certain notices.
• You change how your finance team works day to day.

Keeping your details safe while updating

Always update your contact details and communication preferences by signing in to the portal directly. Never make changes because an unsolicited caller, email or message told you to — that is a common fraud tactic. If you receive an unexpected message asking you to update your details, contact us through a verified channel to check whether it is genuine. See why keeping your contact details up to date matters for security and how to tell a genuine Credicorp email.

See also: Can I get a copy of my Business Loan Agreement?, Changing the main account administrator, Closing your account: what to do first.

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Closing your account is straightforward, but a little preparation saves trouble later. Working through these steps first means nothing is left behind once access ends.

Before you ask us to close it

• Check there is no outstanding balance on any Credicorp Flex or Slice facility
• Request a settlement figure if you still have a balance to clear
• Download your agreement, statements and any documents you want to keep
• Tell your accountant or bookkeeper, in case they need records first

What closing means

Once the account is closed, the logins for your users stop working and you'll no longer be able to sign in to view documents online. We will keep records for as long as we are required to for legal and regulatory reasons, but it is far easier to download what you need before closure than to request it afterwards.

How to start

When you're ready, ask our support team to close the account. We'll confirm there's nothing outstanding and let you know once it's done. If your company is being dissolved, sold or restructured, mention that too, as we may have additional steps to help things go smoothly.

See also: What happens to my data after I close my account?, What is the principal on a loan?, How to prepare your company before you apply.

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If everything routes to one person and that person is unreachable, an important message about your facility can sit unread. A fallback contact is a second named person who receives account and servicing communications so nothing critical falls through the gap.

What the fallback contact receives

• Notices that a new statement or year-end summary is ready.
• Reminders about upcoming collections and any failed-payment alerts.
• Servicing messages that need a response, such as a verification request.

By default the fallback contact receives copies, not control — giving them the messages does not give them the power to change the account. If you want them able to act, give them a user role as well.

How to add one

Go to Account > Contacts & notifications, add the person’s name and company email, and mark them as a fallback contact. You can change or remove them at any time.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Managing your notification preferences, Changing the primary contact email, Why am I not receiving account emails?.

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If your bookkeeping runs on cost codes, project references or purchase-order numbers, you can attach your own reference to the facility so it appears on statements and exports. It makes reconciliation quicker and keeps the finance cost sitting against the right job in your books.

How to add a reference

• Go to Account > Company details > Your reference.
• Enter the PO number, cost code or project reference you use internally.
• Save — it will show on statements and in exported account history.

Good to know

This reference is for your convenience — it doesn’t change any terms, figures or how payments are allocated. If different drawings relate to different jobs, note that in your own records; the account-level reference is a single label for the facility as a whole.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Exporting your account history, What reference should I use for a bank transfer?, How to update your company details.

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If a single person currently signs off changes and drawdowns, adding a second authorised signatory removes a single point of failure. When one signatory is on holiday, off sick or simply unavailable, the other can keep things moving — approving a drawdown, confirming a bank-detail change, or authorising a repayment adjustment.

Who can be a signatory

An authorised signatory must be a director, member (for an LLP) or a person the company has formally authorised to act on financial matters. They act on behalf of the company, so choose someone whose authority is genuine and documented in your own records.

How to add one

• Sign in and go to Account > Users & roles.
• Invite the person by name and company email, and set their role to Authorised signatory.
• They accept the invitation, set their own password and complete identity verification.
• We confirm their authority against the company record before their approval rights become active.

Until verification is complete the new signatory can view the account but cannot yet approve changes, so there is no window where an unverified person holds authority.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Understanding user roles and permissions, Updating the authorised signatory, How to set approval rules for account changes.

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Having a second business account on file gives you a fallback for repayments if your main account is briefly out of action — a bank migration, a card fraud freeze, or simply a cash-flow shuffle between accounts. Drawdowns still pay to your verified primary account; the backup is for paying us.

How to add one

• Go to Account > Banking details > Add account.
• Enter the sort code and account number of the second business account.
• We verify it belongs to your company, as we do for any account.

Using it

You can make a one-off payment from the backup account, or move your Direct Debit to it if the main account is changing. Keep in mind that a Direct Debit is collected from one nominated account — if you switch which account collects, update the mandate so the collection lands in the right place.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to update your bank details, Can I pay from a different business account?, How do I set up or change a Direct Debit?.

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Credicorp accounts support multiple users so that finance teams, directors, and authorised signatories can each have their own secure login. Only users with administrator rights can add or remove other users.

Adding a new user

Go to Account > Users > Invite User. Enter the new user's business email address and select their permission level — either View Only (statements and balances) or Full Access (drawdown requests, repayments, and account changes). An invitation email is sent immediately and expires after 48 hours. If the invite lapses, simply resend it from the same screen.

Removing a user or revoking access

Select the user from the Users list and choose Remove Access. Their session is terminated immediately and they cannot log in again. This is the recommended first step whenever a director or employee leaves the business. If the departing user was the sole administrator, contact our support team to reassign administrator rights before removing them.

Keeping access under control

Review your user list periodically — especially after staff changes. Unused accounts with Full Access represent an unnecessary security exposure. You can downgrade a user to View Only at any time without removing them entirely, which is useful during a handover period.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: Who can access my Credicorp account?, How do I update my company details in my Credicorp account?, How do I remove a user from my account?.

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Account user management is handled under Settings → Users. Only users with the Administrator role can add, edit, or remove other users — standard users can view their own profile but cannot manage others.

Adding a new user

• Select Invite user and enter their name and business email address
• Choose their role: Administrator (full access) or Standard (view and initiate drawdowns, no settings access)
• An invitation email is sent automatically — it expires after 48 hours if not accepted

New users must complete an identity verification step before their access is activated. This typically takes a few minutes using their mobile device.

Adjusting roles and permissions

You can change a user's role at any time without removing and re-inviting them. Navigate to their profile in the Users list and select a new role from the dropdown. The change takes effect immediately. If your company has a Flex facility, you can also restrict individual users from initiating drawdowns without changing their overall role — this is configured under the user's Flex permissions tab.

Removing a user

Select the user and choose Deactivate. Their access is revoked instantly. Deactivated users are retained in your audit log so you have a record of actions they took while active — this cannot be deleted. If a user was the sole administrator, you must reassign the administrator role before deactivating them.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: What happens to account access when a director leaves the company?, How do I set up alerts and notifications on my Credicorp account?, How do I update my company details in my Credicorp account?.

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If your company is VAT-registered, holding your VAT number on the account keeps your records complete and consistent with your other business paperwork.

How to update it

• Go to Account > Company details > VAT number.
• Enter your VAT registration number exactly as HMRC issued it.
• Save — it’s stored against the company record.

A note on VAT and interest

Interest on a business loan is generally outside the scope of VAT, so recording your VAT number doesn’t change what you’re charged or add VAT to your interest — it’s simply keeping your company profile accurate. Your accountant confirms how the finance cost is treated on your returns. If you deregister from VAT later, update or remove the number here so the record stays right.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to update your company details, Using your statement for VAT and Corporation Tax, How to get a statement for your VAT quarter.

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Your Credicorp account can have more than one user, so you don't have to share a single login across the finance team. An account administrator invites colleagues and chooses what each person can do.

Inviting a colleague

• Sign in and open the Users area within account settings
• Select Invite user and enter the colleague's work email address
• Choose the role that matches what they need to do
• Send the invitation; they confirm by following the link in their email

Invitations are personal to the email address you enter, so please make sure it is correct. An invitation that is not accepted within a reasonable period may expire, in which case you can simply send a new one.

Good practice

• Give each person their own login rather than sharing credentials
• Grant the lowest level of access that lets someone do their job
• Review your user list when people join or leave the business

Only people authorised by your company should be added. The account holder remains the company, and you are responsible for the actions of the users you invite. If you need help with the user list, our support team can talk you through it. To manage users, an administrator can sign in to your account and open the Users area.

For related account controls, see understanding user roles and permissions, removing a user from your account and keeping your account secure.

See also: Can I get a copy of my Business Loan Agreement?, Changing the main account administrator, Changing your communication preferences.

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Businesses run into the unexpected — illness, an accident, a sudden absence. If one person holds all the account authority, a crisis for them becomes a crisis for the company’s finances too. A little preparation removes that risk.

Put cover in place

• Make sure at least two people hold administrator or signatory roles, so no single absence blocks the account.
• Name a fallback contact so important notices still reach someone.
• Keep your own internal note of who is authorised, in case you need to prove it quickly.

If it happens without cover in place

If a sole authorised person becomes unavailable and no one else has access, contact us. We’ll need to verify the authority of whoever steps in — typically another director or a formally authorised person — before granting access, because that verification is exactly what protects the company at a vulnerable moment. Setting cover up in advance avoids that scramble.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to add a backup contact, How to add a second authorised signatory, Account access after a director leaves.

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If your business has grown since your facility was set up, you can ask us to review the limit. A review is an assessment, not a guarantee, and it’s an affordability question first — more headroom only helps if the repayments stay comfortable.

What supports a review

• Up-to-date figures — recent management accounts and bank statements.
• A clean repayment history on your current facility.
• A clear, genuine reason for needing more — a specific working-capital need rather than “just in case”.

How to request it

Go to Account > Facility > Request a review, or ask through support. We look at affordability and conduct before deciding, and we may keep the limit where it is if that’s the responsible answer. Borrowing proportionate to revenue protects the business; a higher limit is only worth having if you can service it without strain.

Credicorp lends to UK limited companies and LLPs, not to individuals. The agreement is with the company and carries no director personal guarantee. Because this is business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or the FSCS — our own complaints process is the route if something goes wrong.

See also: How to view your facility limit and headroom, Managing multiple facilities in one account, How to check your bank details are verified.

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Having repaid, you may find you need funds again. The good news is you don’t have to rebuild your relationship from zero — your history and settings are there to build on.

Your options

• If you kept a Flex facility open, simply request a new drawdown up to your headroom.
• If you settled and closed but kept your account, ask about a top-up or a new facility — your record supports a quicker assessment.
• If you closed the account entirely, you can re-apply; a clean past record is a positive signal.

What we look at

Any new borrowing is an affordability assessment first, not automatic. A clean repayment history helps, but the question is always whether the new borrowing is comfortably serviceable now. Keeping borrowing proportionate to turnover is the healthiest way to come back for more.

Credicorp lends to UK limited companies and LLPs, not to individuals. The agreement is with the company and carries no director personal guarantee. Because this is business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or the FSCS — our own complaints process is the route if something goes wrong.

See also: Top-up eligibility: when can you borrow again?, How to request a facility limit review, What happens to my account when I repay in full.

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Requested the wrong amount, or changed your mind? A drawdown can often be cancelled if it hasn’t yet been paid out. The sooner you act, the simpler it is.

If it hasn’t paid yet

• Go to Account > Facility and find the pending drawdown.
• If a Cancel option is shown, use it — the request is withdrawn and no funds move.
• If there’s no cancel option, it’s already being processed; contact support straight away and we’ll stop it if we still can.

If it’s already in your account

Once funds have paid out, they’re drawn — but you can simply repay the amount back to reduce your balance and rebuild your headroom. Because interest is charged only on what’s drawn and for the time it’s drawn, repaying quickly keeps the cost of a mistaken drawdown to a minimum.

Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.

See also: How to request a Flex drawdown, How drawdown works, Can I pay extra towards my balance?.

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After you’ve settled a facility, you’ll want to stop the Direct Debit so nothing collects in error — but timing matters, so a final scheduled collection doesn’t clash with your cancellation.

The safe order

• Confirm the facility shows settled and the balance is zero.
• Check no collection is still scheduled in the next few days.
• Cancel the mandate — either in the portal or with your bank.
• Watch the account briefly to confirm nothing collects.

If something does collect

If a collection lands after you’ve settled — for example a payment already in flight — it’s refundable. The Direct Debit Guarantee also entitles you to a refund from your bank for anything taken in error. Contact us with the date and amount and we’ll return any overpayment to your account.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to confirm your facility is fully closed, How do I cancel a Direct Debit and still pay?, Getting a refund after settlement.

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The mobile number on your account is used for security codes and time-critical alerts, so keeping it current matters — and because it guards access, changing it is a verified step rather than a silent edit.

How to update it

• Sign in and go to Account > Security (or Contacts & notifications).
• Enter the new mobile number.
• Confirm the change with a code sent to prove the new number is yours.

Why the extra step

Redirecting security codes to a new phone is exactly what an attacker would try, so we confirm the change is genuinely yours before it takes effect. If you’ve already lost access to the old number and can’t receive the confirming code, contact support and we’ll verify your identity another way before updating it. Never action a number-change request that arrives out of the blue by text or email — start it yourself from inside your account.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to turn on two-factor authentication, How to get back in if you’ve lost your phone, Keeping your account secure.

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To change the primary contact email for your company account, go to Settings → Contact Details → Primary Email. Enter the new address and select Send verification. A one-time confirmation link is sent to the new address — click it within 24 hours to complete the change.

Why verification is required

The primary contact email receives all account alerts, statement notifications, and formal communications from Credicorp. Requiring confirmation of the new address prevents misrouted correspondence if an address is entered incorrectly, and ensures that only someone with access to that inbox can authorise the switch.

What stays the same

Changing the contact email does not affect your login credentials if you use a different email to sign in. Login email and contact email are managed separately — update your login details under Settings → Security → Login Email if you want both to match.

Team and notification emails

If individual team members have their own notification preferences set to their personal work addresses, those are unaffected by a change to the company-level primary contact email. Each user manages their own alert address from their user profile. The primary contact email is used only for company-wide formal notices, not for individual user alerts.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I add or remove users on my Credicorp company account?, How do I set up alerts and notifications on my Credicorp account?, How do I update my registered office address in my Credicorp account?.

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Your dashboard is the at-a-glance view of your facility. If you always check the same two or three figures, you can arrange it so they’re the first thing you see when you sign in.

What you can surface

• Current outstanding balance and next payment date.
• For Flex: available headroom (limit minus what’s drawn).
• Recent transactions and the latest statement.
• Any action needed — a pending verification or approval.

How to arrange it

Open the dashboard and use Customise to show, hide and reorder the panels. Your layout is saved to your login, so each user can set the view that suits their role — a director watching headroom, a bookkeeper watching the next collection. Changing your own view never affects what anyone else sees, and it never changes the underlying figures — it only decides which of them greet you first.

If you only ever check one thing, put it top-left where your eye lands. A tidy dashboard turns signing in from a chore into a two-second health check, which makes it far more likely you actually do it.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: What the Credicorp dashboard shows, How to view your facility limit and headroom, How to get a reminder before a collection.

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After you request a drawdown, you can confirm it’s been sent and check your own bank for the credit. Most reach the account quickly, but it’s good to know where to look if one seems slow.

Check the portal first

• Go to Account > Facility or your recent transactions.
• Confirm the drawdown shows as paid rather than pending.
• Note the amount and date so you can match it against your bank.

If it hasn’t landed

Once a payment shows as paid our end, it’s on its way; the last leg is your bank crediting the account, which can lag by a short while, and weekends or bank holidays can add a day. If it still hasn’t arrived after that, check the destination account is your verified account and contact us with the amount and date so we can trace it.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to request a Flex drawdown, How drawdown works, How do I check whether a payment has reached you?.

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It’s worth a two-minute check that the facility shown in your account matches what you actually agreed. Everything should tie to your agreement and Key Information Sheet — and because the terms are fixed, it will.

What to cross-check

• The amount / limit in the portal against your agreement.
• The term and payment amount against your Key Information Sheet.
• The payment date and paying account against what you set up.

If something looks off

A mismatch is rare, because your terms were fixed up front and don’t move. If a figure genuinely doesn’t match your KIS, raise it with the specifics and we’ll check it. More often, an apparent mismatch is a timing thing — a recent drawdown or repayment not yet reflected where you’re looking — which resolves itself. Either way, your KIS is the reference point.

Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.

See also: How to download your agreement and KIS, What the Key Information Sheet shows, How to raise and track a statement query.

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Credicorp pays drawdowns only to a verified UK business bank account in your company’s name. Checking the account shows as verified before you request funds avoids a hold at the moment you actually need the money.

How to check

• Go to Account > Banking details.
• Look for the Verified status against the account, and the sort code and last digits you expect.
• If it shows Pending, a drawdown will be held until we complete the check — usually within one working day.

If it isn’t verified

Upload a recent business bank statement (dated within the last 90 days) showing the company name, sort code and account number, and we’ll verify it. If you know a drawdown is coming, do this a day or two ahead rather than on the day — the check can’t be skipped, but planning around it means it never delays you.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to update your bank details, Linking a new bank account, How drawdown works.

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Not every message needs the same urgency. You can decide which alerts arrive by email and which by SMS, so a failed collection reaches you fast while a “statement ready” notice sits quietly in your inbox.

A sensible split

• By text (time-critical): a failed or returned payment, a security alert, a verification request that’s holding something up.
• By email (routine): statement and year-end notices, general servicing updates, product news you’ve opted into.

How to set it

Go to Account > Contacts & notifications, and against each alert type choose email, SMS, or both. Add or confirm your mobile number for the SMS options. You can change the mix any time, and turning a channel off for one alert doesn’t affect the others.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Managing your notification preferences, Setting up account alerts, Temporarily pausing account notifications.

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Repaying a facility in full doesn’t have to mean closing your whole account. You can settle and close a single facility while keeping your login, your document history and any other facility you hold.

When this makes sense

• You hold more than one facility and only one is finished.
• You expect to borrow again and want to keep your history and settings.
• You want ongoing access to statements and documents for your records.

How to do it

Once a facility is repaid in full, go to Account > Facility, select it and choose Close this facility. Your login stays active, your documents remain available to download, and nothing else on the account is affected. If instead you want to close the whole account and stop having a login at all, that’s a separate step — see the linked guide.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: What happens to my account when I repay in full, How to close your Credicorp account, Managing multiple facilities in one account.

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You may close your Credicorp account at any time once all outstanding balances — including any drawn Flex balance, remaining Business Loan instalments, or open Slice arrangements — have been fully repaid. There is no fee for closing the account.

Before you request closure

• Confirm your balance is zero. Go to Account > Overview — all products should show a nil balance.
• Download any statements, agreements, or documents you need. Once the account is archived, retrieval requires a formal data request and can take up to 30 days.
• Cancel any standing order or recurring payment set up from your bank to Credicorp that is no longer needed.

How to submit the closure request

Go to Account > Settings > Close Account and follow the on-screen confirmation steps. You will be asked to confirm that you understand the account history will be archived and that you have downloaded the documents you need. An administrator user must complete this step — View Only users cannot close the account. Once submitted, our team will confirm closure by email within two working days.

What happens after closure

Your login credentials cease to work once the account is archived. Any unused Flex limit or approved-but-undrawn Slice arrangement is cancelled. If you wish to borrow with Credicorp again in the future, you would need to submit a new application, which is subject to credit assessment at that time.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I download statements and loan documents from my Credicorp account?, How do I update the bank account details on my Credicorp account?, How do I close my Credicorp account?.

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A Credicorp loan account closes automatically once the balance has been fully repaid and any final interest or fee adjustments are settled. There is no separate "close my account" form to complete — paying the loan off is what closes it.

Settling the balance

If you want to clear your loan in full, the first step is to ask for a settlement figure. This is the exact amount needed to close the loan on a chosen date, including any interest accrued up to that point. Settlement figures are issued with a stated validity date, after which a fresh figure is needed.

Request one with the Request a Settlement Figure form. We will confirm the amount and, where early settlement reduces the interest you would otherwise pay, the rebate that applies.

Once the balance is zero

When your final payment lands and clears, your account is marked closed in our systems. You can then:

• ask for a final statement of account showing a zero balance — use the Request a Statement of Account form;
• ask us to confirm closure in writing for your records — the General Support Enquiry form is the right place to ask for this;
• let your bank know if you would like to cancel a Direct Debit that is no longer needed.

Updating business credit reference agencies

If we report to business credit reference agencies, the closure is normally reflected at their next monthly update. That is not instant — agencies typically take a few weeks to refresh — so do not be alarmed if the company's business credit file still shows the account for a short period after closure.

If something is left to settle

Where a small adjustment is outstanding (a refund of overpaid interest, a residual fee, or a final pro-rated amount) we will write to you with the detail and the amount. If something is owed to you, the Request a Refund of an Overpayment form is the quickest way to nominate the account to refund to.

Closing an account does not affect your right to see your data or to make a complaint about anything that happened while it was open. Both of those rights are explained on our Privacy Policy and complaints process and are open to you for as long as the relevant retention period applies.

Before closing, see what to do first when closing your account, what happens to your data after closure and where to find your account documents.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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Closing your whole account — not just a facility — ends your login entirely. Do a little housekeeping first so you keep what you need, and understand what happens to your data afterwards.

Before you close

• Confirm every facility is settled and shows a zero balance.
• Download your statements, agreement, KIS and settlement confirmations — you’ll want them for six years or more.
• Cancel any Direct Debit once nothing more is due.

What happens to your data

We keep certain records after closure because we’re required to — for example, to meet legal and regulatory retention obligations. Beyond that, your data is handled in line with our privacy notice. You can ask for a copy of your data before or after closure, and ask about deletion of anything not subject to a retention rule. Closing the account doesn’t erase our lawful records, but it does end active access and communications.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to close your Credicorp account, What happens to my data after I close my account?, Closing your account: what to do first.

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Once you’ve paid a settlement figure, it’s worth confirming the facility has actually closed rather than assuming. A couple of quick checks give you certainty and a clean record.

What to check

• The balance reads zero and no further collection is scheduled.
• The facility status shows closed or settled in Account > Facility.
• Any Direct Debit for it is cancelled, so nothing collects in error.
• You have a settlement confirmation in your documents.

Keep the paperwork

Download the closing statement and settlement confirmation for your records — they evidence that the debt is discharged, which can matter for accounts, audits or future finance applications. Closing a facility doesn’t have to close your whole account; your login and history can stay if you may borrow again.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to get an early settlement figure, What happens to my account when I repay in full, How to close a facility but keep your login.

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If you need help with your account that you can't sort out in the portal, our support team is here for you. Reaching us the right way means we can help faster.

Ways to get in touch

• Use the contact options shown in your signed-in account, where many requests can be raised directly
• Use the contact details published on our website for email or phone
• For account-specific matters, contacting us while signed in helps us identify your account

What to have ready

• Your company name and account or facility reference
• A clear description of what you need
• Confirmation that you're authorised to act for the company, where the request involves changes

For some requests, particularly those affecting access, signatories or bank details, we'll need to confirm your identity and authority before making changes. This is to keep your company's account secure.

A note on complaints and disputes

If something has gone wrong, tell us and we'll try to put it right. Please remember that, as a business lender outside the FCA consumer-credit regime, the Financial Ombudsman Service is not available for our facilities. We still take concerns seriously and will work with you to resolve them.

For common support routes, see updating address, name or contact details, updating the authorised signatory and requesting a copy of your data.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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Your Business Loan Agreement and Key Information Sheet (KIS) are the documents that set out your facility — the amount, the term, the cost and the repayment schedule. You can re-download them at any time; you don’t need to ask us for a copy.

Where to find them

• Sign in and go to Documents (or Account > Documents).
• Open the Agreement and Key Information Sheet entries.
• Download each as a PDF for your files, your accountant or a finance application.

Why keep them handy

The KIS is the one-page summary of what your borrowing costs and how it repays; the agreement is the full terms. Because your interest is simple and fixed up front, these documents remain the reference point for the whole facility — your statements should reconcile neatly against the schedule they contain.

Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.

See also: Where to find your account documents, Can I get a copy of my credit agreement?, What the Key Information Sheet shows.

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Your Credicorp account holds a complete document history for your facility — from your original loan agreement or Flex limit letter through to monthly statements and individual drawdown confirmations. These are available to download at any time without contacting us.

Finding your documents

• Statements — go to Account > Statements. Select the month and click Download PDF. Statements are generated on the first working day of each month covering the previous calendar month.
• Loan or facility agreement — go to Account > Documents > Agreements. Your signed agreement is stored here from the point of first drawdown.
• Repayment schedule (Business Loan) — available under Documents > Schedules. This shows each repayment date and the amount due.
• Drawdown confirmations (Flex) — each Flex drawdown generates a confirmation letter in Documents > Drawdowns.
• Slice instalment summaries — available under Documents > Slice, one PDF per bill spread.

Using documents for accounting and audit purposes

Our PDFs are digitally time-stamped and can be used directly for bookkeeping, audit evidence, or filing with your accountant. If you need a certified copy of an agreement for legal proceedings, contact support — we can provide a letter of authenticity on headed paper.

How long are documents retained?

Documents remain accessible in your account for seven years from the date of the relevant transaction, in line with standard UK business record-keeping requirements. After account closure, you should download anything you need before the account is archived.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I update my company details in my Credicorp account?, How do I manage my Credicorp account notification settings?, Can I manage multiple Credicorp facilities from one account?.

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With a Credicorp Flex facility you can draw funds up to your available headroom whenever you have a genuine working-capital need. The money goes to your verified business bank account.

How to request one

• Go to Account > Facility > Request a drawdown.
• Enter the amount — it must be within your available headroom.
• Confirm the destination account (your verified business account) and submit.

What happens next

Provided your bank details are verified and the amount is within headroom, the drawdown is processed and paid out. If your account shows as pending verification, the drawdown is held until that’s complete — usually within a working day — so it’s worth checking your details are verified before you need the money. Interest is charged only on what you’ve actually drawn, and repaying rebuilds your headroom to draw again.

Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.

See also: How drawdown works, How to check your bank details are verified, How to view your facility limit and headroom.

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At year end, or whenever your accountant asks, you can export your account history in one go rather than gathering statements one by one. The export gives them the drawings, repayments and interest they need to bring the facility into your accounts.

How to export

• Go to Account > Activity or Statements and choose Export.
• Pick the date range — your financial year, or a custom period.
• Choose CSV (for their bookkeeping software) or PDF (for a readable record).

What it contains

Each row shows the date, the type of transaction and the amount, with running and closing balances. Because interest is simple and fixed up front, the totals reconcile cleanly against your Key Information Sheet. Give your accountant their own read-only login if they’ll need to pull figures regularly — it’s tidier than emailing files back and forth.

Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.

See also: Exporting your account history, How to give your bookkeeper read-only access, Using your statement for VAT and Corporation Tax.

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You can export your full account history from Account → Transaction History → Export. Choose a date range, then select CSV (for spreadsheet import) or PDF (for a formatted statement). The export is generated immediately and downloads to your browser.

What the export includes

• All drawdowns and the dates funds were sent
• Repayment collections, including any early repayment amounts
• Slice instalments and their settlement dates
• Flex balance at the start and end of each statement period
• Any fees applied during the period

Sharing with your accountant

The PDF export carries your company name, registered number, and facility reference — it is formatted to accompany management accounts or a year-end pack without further editing. If your accountant uses accounting software, the CSV export maps cleanly to date, description, debit, and credit columns. Column headers are labelled in the file.

Retention and historical data

Transaction records are available in the dashboard for the full term of any active or closed facility, subject to our standard data retention period. If you need records older than those visible in the export tool, contact our support team with your facility reference and the date range required.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: What information does the Credicorp dashboard show?, How do I set up alerts and notifications on my Credicorp account?, How do I export my account history to send to my accountant?.

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Everything we’ve issued for your facility lives in one place, so you don’t have to hunt through emails. The document area holds your agreement, Key Information Sheet, statements and any letters, all downloadable as PDFs.

Where to look

• Sign in and open Documents (or Account > Documents).
• Use the filter to jump to agreements, statements or letters.
• Download any item as a PDF; you can re-download as often as you like.

What you’ll find there

The agreement and Key Information Sheet set your terms; statements record the activity; letters capture anything we’ve formally written to you. Keeping your own copies means the documents stay with you even after a facility closes — while your account is open, the originals remain in the portal.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Where to find your account documents, How to download your agreement and KIS, How long to keep your statements.

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Waiting on a verification, reset or statement email that hasn’t shown up is frustrating, but it’s usually a deliverability issue you can fix in a couple of minutes.

Quick checks

• Look in spam / junk and any “promotions” or “other” folders.
• Confirm the email on your account is the one you’re checking — a typo sends it elsewhere.
• Add our sending domain to your safe senders so future mail lands.
• If your company uses a spam filter or gateway, ask IT to allow our domain.

If it still doesn’t arrive

Request the email again after making those changes. If it’s a password reset, wait a few minutes between attempts, as multiple requests can supersede each other. Still nothing? Contact us — we’ll check the address on file and confirm nothing is bouncing. Keeping your email current and deliverable is the single best fix for this.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Why am I not receiving account emails?, How to reset your account password, Changing the primary contact email.

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If the portal won’t load or your sign-in seems to hang, it’s usually a browser or connection hiccup rather than a fault with your account. These steps clear the vast majority of cases.

Work through these

• Refresh the page, then try a private/incognito window — this rules out a stale cached session.
• Clear your browser cache and cookies for the site, or try a different browser.
• Check your internet connection and disable any VPN briefly to test.
• Make sure your browser is up to date; very old browsers can struggle with secure logins.

If sign-in specifically fails

Confirm you’re using the right email, and reset your password if you’re unsure of it. If two-factor authentication is on, make sure your device clock is correct — a wrong clock can reject valid codes. If none of that helps, contact us and we’ll check for anything our end, such as a locked account after failed attempts.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Account login problems and how to fix them, I can’t sign in to my account, How to reset your account password.

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Sometimes a zero balance on a statement isn’t enough — a buyer, an auditor or another lender wants a formal letter confirming the facility is settled and the debt discharged. You can request one.

How to request it

• Once the facility is settled, go to Account > Facility and choose Request settlement confirmation, or ask through support.
• Tell us if it needs to be addressed to a third party, and give their details.
• We verify the request is from an authorised person before issuing it.

What it confirms

The letter states the facility, that it has been repaid in full and closed, and the date of settlement. Keep it with your closing statement — together they’re solid evidence for accounts, a business sale, or a future finance application. Because the facility carried no personal guarantee, it’s the company’s discharged obligation the letter evidences.

Credicorp lends to UK limited companies and LLPs, not to individuals. The agreement is with the company and carries no director personal guarantee. Because this is business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or the FSCS — our own complaints process is the route if something goes wrong.

See also: How to confirm your facility is fully closed, How to get an early settlement figure, Where to find your account documents.

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A returned payment is easy to avoid with a nudge at the right moment. An upcoming-collection alert tells you a few days ahead that a Direct Debit is due, giving you time to make sure the money is in the account.

How to turn it on

• Go to Account > Contacts & notifications > Payment alerts.
• Enable Upcoming collection reminder and choose how many days’ notice you want.
• Pick email, SMS or both.

Why it’s worth it

Keeping enough cleared funds in the account on the collection date is the single easiest way to avoid a failed payment, any knock-on effect, and the admin of putting it right. If cash is genuinely going to be short, the reminder also gives you time to talk to us before the payment fails, which always leaves more options open.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Keeping enough funds in your account for collection, What happens if my Direct Debit fails, How to choose which alerts come by email and text.

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A settlement figure is the total amount required to pay your loan off in full on a specific date. The figure changes over time, so it is always quoted as valid up to a stated date.

Because interest accrues daily on the outstanding balance, the settlement amount falls the sooner you clear it. The figure we quote already reflects this, so you can see exactly what it costs to close the loan on the date you choose.

Request yours with the Request a Settlement Figure form. The figure shows any rebate of interest and any early-settlement charge — up to 28 days' interest, which we waive in many cases — so you see the exact cost before you confirm. For more, see paying your loan off early and early repayment and what you save.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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If everything goes to one personal inbox, messages can be missed when that person is away. Adding a second email — a shared finance inbox is ideal — means the whole relevant team sees the alerts that matter.

What you can route

• “Your statement is ready” and year-end summary notices.
• Upcoming-collection reminders and failed-payment alerts.
• General servicing messages about the account.

How to add it

Go to Account > Contacts & notifications and add the extra address as a notification recipient. Receiving copies is separate from having a login — an inbox that gets alerts can’t change anything unless the person also has a user role. Use a monitored shared address such as accounts@yourcompany rather than one individual’s personal email so cover survives staff changes.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Changing the primary contact email, Managing your notification preferences, How to add a backup contact.

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If you want to clear your facility ahead of schedule, you need a settlement figure — the exact amount that closes it in full as at a given date. Because interest is simple and only runs while you owe, settling early means you stop paying for time you no longer use.

How to request it

• Go to Account > Facility > Request a settlement figure.
• Choose the date you intend to pay by — the figure is calculated to that date.
• We provide the amount and how long it’s valid for.

Paying it

Pay the exact settlement figure by the date it’s valid to. Pay after that date and a little more interest may have accrued, so if you slip, request a fresh figure. There’s no penalty for settling early with Credicorp — you simply pay what you owe up to the day you clear it, which is the whole point of a fair, transparent facility.

Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.

See also: How do I get a settlement figure?, Requesting a settlement figure for your loan, How to confirm your facility is fully closed.

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After several failed sign-in attempts, we temporarily lock the account. It’s a deliberate protection — it stops someone guessing at your password — and it’s straightforward to clear.

Getting back in

• Wait the short lock-out period, then try again with the correct details.
• If you’re unsure of your password, use reset password rather than guessing again.
• Complete any two-factor step with a working device or a backup code.

If it stays locked

If the lock persists or you can’t reset, contact support. We’ll verify you’re the account holder and restore access — that verification is the safeguard, so it’s in your interest that we do it properly. A recurring lock-out you didn’t cause could mean someone else is trying your account; if so, change your password, turn on two-factor authentication and review your devices.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Account login problems and how to fix them, How to reset your account password, I can’t sign in to my account.

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If two-factor authentication is on and you no longer have the phone that receives the code, you can still get back in — there is more than one route, and none of them leave you locked out for long.

Use a backup code first

When you set up 2FA you were given single-use backup codes. Enter one of these in place of the app or SMS code to sign in, then go straight to Account > Security and re-register your new device. Each backup code works once, so generate a fresh set afterwards.

If you don’t have a backup code

• Contact support and tell us you’ve lost access to your 2FA device.
• We verify your identity as an authorised person on the account before we reset anything — this protects you as much as it does us.
• Once verified, we remove the old 2FA link so you can sign in and set up the new phone.

If more than one person administers the account, another administrator can also help by keeping things running while you recover access.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to turn on two-factor authentication, How to reset your account password, I can’t sign in to my account.

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Before we make a change or release information about your account, we confirm we’re talking to an authorised person. It takes a moment, and it exists to stop anyone but you moving your money or seeing your figures. Having a few things ready makes it painless.

Have these to hand

• Your company name and number, or your account reference.
• The email or phone number registered to your account.
• Confirmation of your role — director, member or authorised user.

What we’ll never do

We will never ask you to read out a full password, a one-time code you’ve received, or full security details “to verify you” — legitimate checks don’t work that way. If a message or call pressures you to share those, stop and contact us on a number you trust. Doing the check properly is what keeps an impostor out, so a genuine request never resents it.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How do I contact Credicorp support?, Keeping your account secure, What to do if you suspect unauthorised access.

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If a detail on your account is wrong, getting it corrected is straightforward — the route just depends on what it is.

By type of detail

• Contact details (email, phone, address) — usually a self-service edit in Account > Company details.
• Legal name or signatory — a verified change, since it affects who can act for the company.
• A figure on a statement — raise a statement query with the date, amount and what’s wrong.

If it’s personal data

You have the right to have inaccurate personal data corrected. Tell us what’s wrong and what it should say; we’ll verify and put it right. Keeping your details accurate isn’t just tidiness — it means verification, correspondence and payments all work smoothly when you need them to.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to update your company details, How to raise and track a statement query, How do I request a copy of my data?.

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Your accountant may only need to be in the account for a few weeks at year end. Granting time-limited, read-only access — and removing it afterwards — keeps things tidy and secure.

How to do it

• Invite your accountant with their own email and a read-only role.
• Let them pull the statements, exports and figures they need.
• When the accounts are filed, remove their access in Account > Users & roles.

Why time-limited

Access that outlives its purpose is exactly what an access review is meant to catch. Removing your accountant’s login when the engagement pauses keeps your user list honest and your data exposure minimal, and it’s effortless to re-invite them next year. Read-only means they can see figures but never change bank details or move money — the right level for an adviser.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to give your bookkeeper read-only access, Giving your accountant access, How to run a quick access review.

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Your bookkeeper usually needs to see figures, not move money. A read-only role lets them view your balance, download statements and check the transaction history, while keeping approval and change rights firmly with your directors and signatories.

What read-only can and can’t do

• Can: view the dashboard and balance, open and download statements, see the repayment schedule, and export account history for the books.
• Cannot: change bank details, add or remove users, approve a drawdown, or request a limit change.

How to grant it

Go to Account > Users & roles, invite your bookkeeper by their own email address, and set the role to Read-only. They set their own password and verify their identity. Give people their own login rather than sharing yours — it keeps the audit trail clean and lets you remove access instantly when an engagement ends.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Giving your accountant access, Understanding user roles and permissions, How to remove access when someone leaves.

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Selling your company puts your borrowing under a buyer’s microscope. Getting the facility in order early makes due diligence smoother and gives you clean options at completion.

Your three broad options

• Settle before completion — request a settlement figure and clear the facility, so the company changes hands debt-free.
• Continue under new ownership — the facility is with the company, so it can continue, subject to us reviewing the new control; the buyer will want to understand the terms.
• Hand over administration — transfer the main administrator role to the incoming director once the sale completes.

Documents the buyer will want

Have your agreement, Key Information Sheet, recent statements and current balance ready. Because the facility is with the company and carries no personal guarantee, the buyer is assessing the company’s obligation, not yours personally. Tell us early if a sale is in prospect so we can help you plan the cleanest route.

Credicorp lends to UK limited companies and LLPs, not to individuals. The agreement is with the company and carries no director personal guarantee. Because this is business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or the FSCS — our own complaints process is the route if something goes wrong.

See also: How to get an early settlement figure, How to transfer the account to a new director, How to evidence your borrowing for a finance application.

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A little and often beats a year-end scramble. Five minutes a month keeps your account tidy, your records current and your borrowing under control — and it costs almost nothing to do.

The monthly five-minute check

• Download this month’s statement and file it with your bookkeeping.
• Glance at the balance and next collection — funded and on track?
• Confirm your users — anyone to remove or downgrade?
• Check your contact details and alerts are current.

Why it works

Done monthly, reconciliation is minutes and nothing piles up. It also surfaces anything odd — an unexpected login, a change nobody made — while it’s small. Pair it with a quarterly access review and you have a genuinely healthy account with a habit that fits in a coffee break. Everything reconciles against your fixed schedule, so the check is quick by design.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to download a statement every month, How to run a quick access review, How to set your account up when your facility starts.

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If you’ve repaid but kept a Flex facility, or you’re between needs, keeping the account warm means funds are a click away when opportunity or a gap appears — no cold start.

What to keep current

• Your verified business bank account — so a drawdown pays out without a hold.
• Your contact details and notifications — so you don’t miss anything.
• Your users and roles — remove leavers, keep at least one signatory.

When you next need funds

With details current and headroom available, a Flex drawdown is immediate. If your facility closed, a top-up or new facility is quicker off a clean record, though still an affordability assessment. Keeping the account tidy while dormant means the only decision left when you need money is how much to draw — not paperwork.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to check your bank details are verified, How to borrow again after you’ve repaid, How to run a quick access review.

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Your Credicorp record should mirror what’s at Companies House. When you file a change on the public register — a new registered office, a director change, a name change — it’s worth updating your account too, so verification, statements and correspondence all stay accurate.

What to keep aligned

• Registered office address — where formal correspondence is sent.
• Directors and authorised signatory — who can act for the company.
• Registered company name — the legal entity name on the agreement.

A simple habit

Whenever you make a filing at Companies House, add a second step to update the same detail in Account > Company details. Name and signatory changes are verified; an address is usually a quicker self-service edit. Keeping the two in step avoids a mismatch surfacing at an awkward moment — for example when we verify a change or send an important notice.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Updating your registered company details, Updating your registered office address, How to update your registered company name.

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Almost every servicing problem — a missed statement, a failed verification, an alert that never came — traces back to an out-of-date contact detail. Keeping them current is the highest-value five minutes you’ll spend on the account.

What to keep current

• Your email — ideally a monitored shared inbox as well as a personal one.
• Your mobile — used for security codes and time-critical alerts.
• Your registered office and correspondence address.

Make it a habit

Update details in Account > Company details and Contacts & notifications the moment anything changes — a new phone, a staff change, an office move. Changes to a security-relevant detail like your mobile are verified, which protects you. Current details mean alerts arrive, statements reach you, and verification is quick when you need something done — the quiet foundation under smooth servicing.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to change your security-code mobile number, How do I update my contact details?, How to keep your account healthy with a monthly check.

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Holding more than one facility — say a Flex line and a Slice for a specific cost — is common. A few habits keep them clearly separated so payments, statements and figures never get muddled.

Keep them distinct

• Give each facility a clear label or reference in the portal so they’re instantly recognisable.
• Note which paying account and payment date belongs to each.
• Download statements per facility, and file them separately in your records.

Reading the account

Your dashboard shows each facility’s balance and status side by side. Statements are per facility, so figures never mix. When you overpay, direct it to the facility you mean — the portal lets you choose. Keeping each one’s cost proportionate to what it funds keeps the whole account healthy and easy to explain to your board or accountant.

Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.

See also: Managing multiple facilities in one account, Managing multiple facilities in your account, How to close a facility but keep your login.

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One of the most damaging frauds is a request — by email, phone or letter — to change where money goes or who receives communications. Knowing how to check protects your company’s cash directly.

Signs to be wary of

• An unexpected instruction to change bank details, especially “urgently”.
• Pressure, secrecy, or a reason you can’t verify the request the usual way.
• A change request that arrives via a channel you didn’t initiate.

The safe way to verify

Start any genuine change yourself, from inside your own account — don’t action a change from an inbound message. If you receive a request claiming to be from us, contact us on a number you trust to confirm it. We verify bank-detail changes before they take effect precisely to stop this, and dual approval adds a second pair of eyes. When in doubt, slow down: a genuine change can wait five minutes for a check; a fraud relies on you not taking them.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to report a scam pretending to be us, How to require two people to approve a change, How to update your bank details.

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To link a new bank account, go to Settings → Payment Accounts in your Credicorp dashboard and select Add account. You will need the sort code and account number of the business current account you want to add.

Verification process

For security, we verify new bank accounts before any funds can be sent to them. Verification is done via a small penny-credit test — we send a nominal amount (typically £0.01) to the account you have listed. You confirm the reference shown in your bank statement inside your Credicorp account to complete the link. This usually takes one business day.

Which accounts are accepted?

• UK business current accounts held in the company's name
• Accounts at FCA-authorised or PRA-regulated banks and e-money institutions
• One primary disbursement account and up to two secondary accounts per facility

Personal current accounts and accounts in a director's name cannot be used — disbursements are made to the company only.

Removing or changing your primary account

You can demote your current primary account and promote a newly verified account at any time from the same settings panel. If you have an active drawdown in progress, the change will take effect from the next disbursement, not the current one.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I update my registered office address in my Credicorp account?, How do I export my Credicorp account history?, How do I update the bank account details on my Credicorp account?.

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Phishing works by getting you to type your password into a fake page. A few habits mean you never do — and they take no extra time once they’re second nature.

Before you sign in

• Type the address yourself or use your own saved bookmark — don’t follow a login link from an email or text.
• Check the address bar shows the correct domain and a padlock.
• Be wary of any page that asks for extra details a login screen wouldn’t normally need.

If something looks off

Don’t enter your details. Close the page and reach the portal your own trusted way. If you think you may have entered your password on a fake site, change it immediately from the genuine portal and turn on two-factor authentication. We’ll never send you a link demanding you “verify” or “reconfirm” your login — genuine servicing starts from inside your own account.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to report a scam pretending to be us, Keeping your account secure, What to do if you suspect unauthorised access.

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Formal letters — a settlement confirmation, a notice, an important account change — should reach the people who need them, which may be more than one director or an outside adviser. You can set who’s copied without handing out control.

How to set it

• In Account > Contacts & notifications, add correspondence recipients.
• Choose who receives copies of formal letters versus routine alerts.
• Confirm each address so mail actually reaches it.

Copies vs control

Being copied on letters doesn’t give someone the power to change the account — that stays with users who hold a role. So you can keep your co-director or accountant informed of the formal stuff while authority stays exactly where you want it. For anything that needs action, make sure at least one recipient is also an authorised user who can respond.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to add a backup contact, Managing your notification preferences, How to get a settlement confirmation letter.

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Credicorp sends notifications for key account events — drawdowns processed, repayments collected, statements available, and account changes. You can control which of these you receive and by which channel from within the account settings.

Available notification types

• Drawdown confirmed — sent when a Flex drawdown is approved and funds are dispatched.
• Repayment collected — confirms a scheduled or ad hoc repayment has been taken.
• Statement ready — monthly notification that your account statement is available to download.
• Account changes — alerts when a user is added or removed, or company details are updated.
• Payment missed — immediate alert if a scheduled repayment fails to collect.

How to change your preferences

Go to Account > Notifications. Each notification type has an email toggle and an SMS toggle. You can enable or disable them independently. Changes save immediately — there is no separate save button. Note that Payment missed and Account changes alerts cannot be fully disabled; at least one channel (email or SMS) must remain active for these two types as they are operationally significant.

Notifications for multiple users

Each user on the account manages their own notification preferences. An administrator cannot change another user's notification settings, though they can see which users are registered. If your finance team wants consolidated alerts, consider nominating a single Full Access user as the primary notification recipient and setting others to View Only.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I reset my Credicorp account password?, Who can access my Credicorp account?, Can I manage multiple Credicorp facilities from one account?.

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Changing the bank account your repayments come from is straightforward, but the order matters so you don’t miss a collection or pay twice. Here’s the safe sequence.

The right order

• Add and verify the new business account in Account > Banking details.
• Update the Direct Debit to collect from the new account.
• Check the collection date and make sure the new account is funded for the next one.
• Keep the old account open until you’ve confirmed a collection has succeeded from the new one.

Timing

Direct Debit changes need a little notice before the next collection, so make the switch a few days ahead of your payment date rather than the day before. The Direct Debit Guarantee still protects you throughout. If a collection is imminent, it may pull from the old account one last time — that’s fine, as long as it’s funded.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How do I set up or change a Direct Debit?, How to add a second bank account to pay from, How to update your bank details.

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Most account admin is self-service, but some things can’t wait — an urgent drawdown while details verify, a suspected fraud, a collection about to fail with no funds. Here’s how to get to a person fast.

Fastest routes

• Suspected fraud or unauthorised access — contact us immediately and secure the account (change password, review users).
• A payment you can’t cover — tell us before it fails; there’s no-friction support and more options the earlier you call.
• An urgent drawdown held on verification — ask us to prioritise the review; we can’t skip it, but we can speed it.

Have your details ready

Quote your company name and number or account reference, and be ready to verify you’re authorised — that check is what protects you, and having the details to hand makes it fast. For anything genuinely urgent we’ll act promptly; keeping your contact details current means we can reach you back just as quickly.

Credicorp lends to UK limited companies and LLPs, not to individuals. The agreement is with the company and carries no director personal guarantee. Because this is business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or the FSCS — our own complaints process is the route if something goes wrong.

See also: How do I contact Credicorp support?, How to get through security checks faster, What to do if you suspect unauthorised access.

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Many companies have a registered office — often an accountant’s or a formation agent’s address — that isn’t where they actually trade. You can hold both so formal correspondence and day-to-day contact each go to the right place.

How to set both

• In Account > Company details, set your registered office to match Companies House.
• Add your trading / correspondence address separately if it differs.
• Choose which address routine post should use.

Why it matters

The registered office is what we verify against and where certain formal notices belong; your trading address is where you’d rather day-to-day mail lands. Keeping the registered office aligned with Companies House avoids a mismatch at verification. If the registered office changes at Companies House, update it here too — it’s a quick edit and keeps everything in step.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Updating your registered office address, How to keep your Companies House details in step, How to update your company details.

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When someone leaves your business or no longer needs access, an administrator should remove them from the account straight away. Keeping your user list current is one of the simplest ways to protect company information.

Removing access

• Sign in and open the Users area in account settings
• Find the person in your user list
• Select Remove or Revoke access
• Confirm; their login stops working immediately

Removing a user does not delete any company records or history. Statements, documents and your loan information stay with the account. You are only withdrawing that individual's ability to sign in.

When to act quickly

• An employee has left the company
• Someone has changed role and no longer needs access
• You suspect a login may have been compromised

If the person leaving is your only administrator, promote another colleague to administrator first, or contact our support team so we can help you keep the account manageable. As the account holder, your company is responsible for keeping the list of authorised users accurate.

Before changing access, it may help to review user roles and permissions. If you are replacing someone, see adding users to your company account; if there is any security concern, read keeping your account secure.

See also: Can I get a copy of my Business Loan Agreement?, Changing the main account administrator, Changing your communication preferences.

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When a person leaves the company — an employee, a departing director, or an outside adviser whose engagement has ended — their access should end at the same time. Doing it promptly protects your company’s financial data and keeps your user list honest.

Same-day checklist

• Sign in and go to Account > Users & roles, find the person and select Remove access. Their login is revoked immediately.
• If they were the main administrator or an authorised signatory, promote a replacement first so you are never left without one.
• Check for anything only they could do — for example, if they were the sole approver in a dual-approval rule — and reassign it.
• If they had linked their own device for sign-in, that link is removed with their account.

If a director has left the company

A departing director’s access is a special case, because it can also affect who is authorised to act for the company. Removing their login is step one; you should also update your registered details and confirm the current authorised signatory.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Account access after a director leaves, Updating the authorised signatory, How to give your bookkeeper read-only access.

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Fraudsters impersonate lenders to trick people into sharing logins, codes or payment details. If you get a message that claims to be from Credicorp and something feels off, don’t act on it — check and report it.

Signs it isn’t us

• It pressures you to act immediately or “or else”.
• It asks for your full password, a one-time code, or full security details.
• It sends you to a link to “verify” your account, or asks you to move money to a “safe account”.
• The sender address or number doesn’t match our genuine contact details.

What to do

Don’t click links or reply. Forward the message to us so we can warn others, then delete it. If you’ve already entered details or sent money, contact us immediately and secure your account — change your password and review users. We will never ask you to confirm full credentials or move money to a new account; genuine servicing is done from inside your own portal, which you reach by typing the address yourself.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: What to do if you suspect unauthorised access, Keeping your account secure, How to get through security checks faster.

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Under UK data protection law, individuals have the right to ask for a copy of the personal data an organisation holds about them. This is known as a subject access request, and you can make one to us.

What you can ask for

• A copy of the personal data we hold about you
• Information about how and why we use it
• Details of who we may share it with and how long we keep it

A subject access request relates to personal data about an individual. Information that is purely about your company, rather than about a person, falls outside this particular right, though you can of course access many company records directly in your account.

How to make a request

Contact us using the details on our website or in our privacy notice and tell us what you're asking for. We may need to confirm your identity before we respond, so that we don't disclose personal data to the wrong person. We aim to respond within the timescales set by data protection law.

Other data rights

You may also have rights to correct inaccurate data or, in some cases, to ask for erasure. These rights have limits, especially where we must keep records for legal reasons. Our privacy notice explains them in full.

Related account articles cover what happens to your data after account closure, where to find account documents and how to contact Credicorp support.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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You’re entitled to ask for a copy of the personal data we hold. For a company account that typically covers the individuals connected to it — directors, authorised users — and the information tied to them.

How to request it

• Ask through Account > Data & privacy, our data-request form, or by contacting us.
• Tell us whose data you’re requesting and confirm your authority to ask.
• We verify identity and authority before releasing anything.

What happens next

We respond within the timeframe our privacy notice sets out, providing the data in a usable format. Verification matters here more than anywhere — releasing personal data to the wrong person is exactly what the process exists to prevent, so a genuine request never resents the check. If you also want to correct or erase data, tell us; some records we must keep to meet legal and regulatory obligations.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How do I request a copy of my data?, What happens to my data after I close my account?, How to close your account and handle your data.

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You are entitled to a statement of your account, and you can request one at any time at no charge. A statement shows your payments, your current balance and any charges applied.

A statement is useful when you want to reconcile your records, confirm a payment has landed, or check the balance before asking for a settlement figure. It is a snapshot of the account as it stood on the date it was produced.

Use the Request a Statement of Account form and tell us whether you would like it by email or post. We aim to send statements within five working days. You can also download your statements yourself, or check whether a payment has reached us.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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Dual approval (sometimes called maker-checker) means a sensitive change proposed by one person only takes effect once a second authorised person approves it. It is a simple, powerful control against both mistakes and fraud, and it costs you nothing but a few extra seconds.

What dual approval can cover

• Changing the business bank account we pay drawdowns to.
• Adding or promoting a user, or granting signatory rights.
• Requesting a facility-limit review.
• Updating the main administrator or primary contact.

How to switch it on

Go to Account > Users & roles > Approval rules and turn on dual approval for the change types you want protected. You need at least two authorised signatories on the account for it to work — the person who proposes a change cannot also approve it.

What your team sees

When someone proposes a covered change, it sits in a pending approvals queue and the other signatories are notified. Nothing is applied until a second person approves; either can reject with a reason.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to add a second authorised signatory, Understanding user roles and permissions, What to do if you suspect unauthorised access.

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If you have forgotten your password or have been locked out after too many failed attempts, you can reset it yourself in under two minutes from the Credicorp login page — no need to contact support for a standard reset.

Step-by-step password reset

• Go to the Credicorp login page and click Forgotten password?
• Enter the email address associated with your account and click Send reset link.
• Open the email (check your spam folder if it does not arrive within a few minutes) and click the link.
• Choose a new password. It must be at least 12 characters and include at least one number and one special character.
• Log in with your new password immediately — the reset session closes once you authenticate.

If you no longer have access to the email address

Contact Credicorp support with proof of identity (Companies House number and the last four digits of your registered bank account). We will update the email address on file and then send you a fresh reset link. For security, this process takes one working day.

Preventing future lockouts

Use a business password manager rather than reusing passwords across services. Enable two-factor authentication (2FA) in Account > Security — this reduces your exposure even if a password is compromised. After five incorrect login attempts the account is locked for 15 minutes automatically.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: I cannot log in to my Credicorp account — what should I do?, How do I manage my Credicorp account notification settings?, Who can hold a Credicorp account?.

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If you've forgotten your password or simply want to change it, you can reset it yourself in a few steps. You don't need to contact us for a routine reset.

If you've forgotten your password

• Go to the sign-in page and select Forgot password
• Enter the email address linked to your user account
• Open the reset link we send and choose a new password
• Sign in with your new password

For security, the reset link is time-limited. If it has expired, just request a new one. We will only ever send the link to the email address already registered to your user account.

If you want to change a password you remember

Sign in and open your profile or security settings, then choose to update your password. Pick something strong and unique that you don't use on other sites.

If the reset email doesn't arrive

• Check your spam and junk folders
• Confirm you used the correct email address
• Ask your IT team to allow messages from our official domain

Still stuck, or no longer have access to the registered email? Contact our support team. We'll need to confirm your identity and authority before making changes, to keep the account safe.

If email delivery is the issue, see why account emails may not be arriving. For broader sign-in protection, read keeping your account secure or how to contact Credicorp support.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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Tying account communications to one person’s personal inbox creates a single point of failure. Routing them to a monitored shared inbox — accounts@ or finance@ your company — means the right people always see them, whoever is in that day.

How to set it up

• Add the shared address as a notification recipient in Account > Contacts & notifications.
• Decide whether it’s the primary contact or an additional recipient.
• Confirm the address by clicking the verification link sent to it.

Keep control separate

Receiving emails is not the same as being able to change the account — an inbox that gets alerts can’t approve a drawdown or change bank details unless a person there also holds a login and role. That separation is deliberate and healthy: communications can be shared widely while authority stays with named individuals.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to get notices sent to more than one email, Changing the primary contact email, Why am I not receiving account emails?.

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User lists drift. People join, leave and change roles, and access that was right six months ago can quietly become access that shouldn’t exist. A short, regular access review keeps the list honest and is exactly the kind of control an auditor likes to see.

The five-minute review

• Open Account > Users & roles and read the list top to bottom.
• For each person, ask: do they still work with us, and is their role still right?
• Remove anyone who has left, and downgrade anyone whose job no longer needs approval rights.
• Confirm you still have at least one main administrator and one authorised signatory.

How often

Quarterly suits most small companies; monthly if your team changes a lot. Set a recurring reminder so it actually happens. Pair it with a glance at the activity log and you have a tidy, defensible control with almost no effort.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Understanding user roles and permissions, How to remove access when someone leaves, How to see who changed what on your account.

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Closing your account ends your login, so anything you might want later needs saving first. Ten minutes now avoids a verified request — or a gap — down the line.

Grab-everything checklist

• Every statement for each facility — the full history, not just recent.
• Your agreement and Key Information Sheet.
• Any year-end summaries and settlement confirmations.
• An export of your account history as a CSV for your books.

Where to store it

File it by financial year in secure storage you’ll still have in six years — records should be kept that long or more. Treat the documents as the financial records they are: stored securely, shared carefully. Once saved, you can close the account knowing nothing’s stranded behind a login you no longer have.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to close your account and handle your data, How to find a statement from a closed facility, Closing your account: what to do first.

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With a Credicorp Flex facility you can draw, repay and redraw up to an agreed limit. Knowing your available headroom — the limit minus what you’ve currently drawn — tells you at a glance how much you could still access.

Where to look

• Go to your dashboard, or Account > Facility.
• You’ll see your agreed limit, your current balance drawn, and the available headroom between them.

Reading it well

Headroom is a ceiling, not a target — it’s there for genuine working-capital needs, and it’s good practice to keep your borrowing proportionate to what the business turns over. As you repay, headroom rebuilds and becomes available to draw again. A one-off loan such as Credicorp Slice doesn’t have redraw headroom in the same way, because it repays down a fixed schedule.

Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.

See also: What the Credicorp dashboard shows, How to request a facility limit review, How to change what your dashboard shows.

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Every significant action on your account — a user added, bank details changed, a drawdown approved, a role promoted — is recorded with who did it and when. The activity log is your own audit trail, and it is worth glancing at from time to time.

Where to find it

Go to Account > Activity. You will see a dated list of actions, each attributed to the user who performed it. You can filter by type of action or by date range, and export the log for your records or your accountant.

What to look for

• Changes you don’t recognise — a login from an unfamiliar place, or a change nobody on the team made.
• Actions by people who have since left and should no longer have access.
• A clean trail to show your auditor how account controls are operated.

If anything in the log looks wrong, secure the account first — change the password, review users — and then contact us.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: What to do if you suspect unauthorised access, Keeping your account secure, How to require two people to approve a change.

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As you grow, the account should suit a team rather than one person’s login. A short set-up gives everyone the access they need with the controls a good finance function expects.

Team set-up

• Give each person their own login and a role that fits their job — signatory, payments, or read-only.
• Turn on dual approval for sensitive changes like bank details.
• Set drawdown caps so staff can handle routine draws but larger ones need a signatory.
• Point communications at a shared finance inbox so cover survives absences.

Keeping it clean

Run a quick access review each quarter to remove leavers and right-size roles, and glance at the activity log for anything unexpected. That combination — individual logins, least-privilege roles, approvals and reviews — is exactly the control environment an auditor likes to see, and it takes minutes to maintain.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to require two people to approve a change, How to set a drawdown approval limit for your team, How to run a quick access review.

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A few minutes of set-up when your facility goes live saves friction for its whole life. Here’s a first-week checklist to get the account working the way you want.

First-week checklist

• Confirm your business bank account is verified so drawdowns and collections run cleanly.
• Add the people who need access, each with the right role, and set at least one backup administrator.
• Turn on payment alerts — an upcoming-collection reminder and a failed-payment alert.
• Save your agreement and Key Information Sheet to your own records.
• Point notifications at a shared finance inbox so cover survives absences.

Then you’re set

With that done, day-to-day servicing is simple: draw when you need to, pay to schedule, download statements as they come. Because the terms are fixed and transparent from the start, there are no surprises to manage — just a facility that does its job.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: How to check your bank details are verified, How to get a reminder before a collection, How to route account emails to a shared inbox.

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Account alerts are configured under Settings → Notification Preferences. You can choose to receive alerts by email, SMS, or both, and you can set different preferences for different event types.

Available alert types

• Drawdown confirmed — sent when funds leave our account towards yours
• Repayment collected — confirmation when a scheduled repayment or Slice instalment clears
• Flex balance threshold — notifies you when your available Flex headroom drops below a figure you set
• Statement ready — monthly or cycle-end statements available to download
• Account access — alerts when a new user logs in or account details are changed

Who receives alerts?

Each user on the account can manage their own notification preferences independently. An account administrator can also set company-wide defaults that apply to any new users added. If you are the sole account user, alerts go to your registered email and mobile number by default.

Threshold alerts for Flex

If your company uses Credicorp Flex, you can set a headroom threshold — for example, receive an alert when less than 20% of your facility limit remains available. This is particularly useful if multiple team members can initiate drawdowns. Navigate to Flex → Alert Thresholds to configure this separately from your general notifications.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: What information does the Credicorp dashboard show?, Can I manage multiple Credicorp facilities from one account?, Who can hold a Credicorp account?.

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Signing in from a new device is routine, but because it’s also what an attacker would do, we add a check the first time — and you should keep your list of trusted devices tidy.

Adding a new device

• Sign in as normal with your email and password.
• Complete the extra verification step — a code to your registered phone or authenticator.
• Choose whether to trust the device, so routine sign-ins on it are quicker.

Keeping devices tidy

In Account > Security > Devices you can see where you’re signed in and remove any device you no longer use — an old phone, a shared computer, a machine you’ve sold. Removing a device signs it out. If you ever see a device you don’t recognise, remove it, change your password, and treat it as a possible compromise.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to turn on two-factor authentication, Keeping your account secure, What to do if you suspect unauthorised access.

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You can let a team member handle routine drawdowns without handing them the keys to the whole facility. A per-user drawdown cap lets them draw up to a set amount themselves, while anything larger routes to a signatory to approve.

How it works

• Set a cap against a user in Account > Users & roles — for example, up to £2,000 without a second approval.
• Drawings within their cap process as normal.
• Drawings above it drop into the pending-approvals queue for a signatory to confirm.

Why it helps

It keeps day-to-day cash flow moving without a director signing off every small draw, while protecting against a large withdrawal happening without oversight. Pair it with an upcoming-collection alert and dual approval on bank-detail changes for a tidy set of controls that suit a small finance team.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to require two people to approve a change, Understanding user roles and permissions, How to request a Flex drawdown.

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An important email that lands in spam might as well not have arrived. A one-off whitelist means our statement notices, payment alerts and security emails reliably reach you.

How to whitelist us

• Add our sending address to your safe senders / contacts.
• If your company runs a spam gateway, ask IT to allow our domain.
• Move any of our messages currently in spam to your inbox and mark them not junk.

Belt and braces

Even with email flowing, keep the important alerts on SMS too — a failed-payment or security alert is worth a text so it can’t be missed. And check the email address on your account is current; the tidiest whitelist can’t rescue mail sent to an old address.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Why am I not receiving account emails?, How to fix a verification email that never arrives, How to choose which alerts come by email and text.

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Marketing and servicing are different things, and you can control them separately. Turning off promotional messages doesn’t — and shouldn’t — turn off the operational alerts your account depends on.

How to split them

• Go to Account > Contacts & notifications.
• Switch marketing / product news off.
• Leave servicing alerts on — statements ready, payment reminders, failed-payment and security alerts.

Why keep servicing on

Servicing messages aren’t marketing — they’re how you find out a statement is ready, a collection is coming, or something needs your attention. We can’t reasonably run your account without being able to reach you about it, so those stay on even when marketing is off. That’s the honest line: you can silence the sales, not the essentials.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Changing your communication preferences, Managing your notification preferences, How to choose which alerts come by email and text.

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If you paused notifications — perhaps over a quiet period — turning them back on is quick. It’s worth doing promptly so you don’t miss a statement notice or, more importantly, a payment alert.

How to re-enable them

• Go to Account > Contacts & notifications.
• Switch the paused categories back on, or lift the pause entirely.
• Check your email and mobile on file are still current so alerts actually reach you.

Which to prioritise

If you only turn a few back on, make them the payment alerts — an upcoming-collection reminder and a failed-payment alert. Those are the ones that save you money and hassle. You can keep purely informational messages quieter if you prefer, but leaving yourself blind to a failed collection is the pause worth ending first.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Temporarily pausing account notifications, Managing your notification preferences, How to get a reminder before a collection.

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If you’d rather not be called during your busiest trading hours, tell us. Recording your preferred contact hours and channel means routine servicing contact lands when it suits you — while genuinely urgent matters can still reach you promptly.

What you can set

• Preferred hours — for example, avoid mornings, or after 4pm only.
• Preferred channel — email first, or a call to a specific number.
• A best contact for a particular topic, such as payments or documents.

How to set it

Go to Account > Contacts & notifications > Contact preferences and record what suits you. These preferences apply to routine servicing; where something is time-critical — a failed payment, a security concern — we may still reach out promptly on the fastest channel, because leaving that until later usually isn’t in your interest.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Changing your communication preferences, Managing your notification preferences, How do I contact Credicorp support?.

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When the director who set up the account moves on, the account should move with the company, not leave with the person. Transferring ownership means naming a new main administrator and confirming who is authorised to act for the business.

Before you start

Make sure the incoming person already has (or can get) a user login on the account. It is easiest if the outgoing director is still available to make the hand-over, but if they have already left, an existing signatory or a current director can initiate it.

The hand-over steps

• Go to Account > Users & roles and set the incoming director’s role to Main administrator.
• We verify their authority against the company record before the role goes live.
• Confirm the authorised signatory and primary contact are correct for the new set-up.
• Remove the outgoing director’s access once the new administrator is confirmed.

Repayments and any active facility continue uninterrupted throughout — an ownership change is about who administers the account, not about the loan itself.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Account access after a director leaves, Changing the main account administrator, Updating the authorised signatory.

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Two-factor authentication (2FA) means that even if someone learns your password, they still cannot get in without a second code from your phone. For an account that controls business borrowing, it is well worth the thirty seconds it adds to signing in.

How to set it up

• Sign in and go to Account > Security > Two-factor authentication.
• Choose your method — an authenticator app (recommended) or a code sent to your registered mobile.
• Scan the code or confirm your number, then enter the one-time code to prove it works.
• Save your backup codes somewhere safe in case you lose your phone.

If you get a new phone

Turn 2FA off and back on with the new device, or use a backup code to sign in and re-register. If you are locked out entirely, contact support — we will verify your identity before restoring access.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Keeping your account secure, How to reset your account password, What to do if you suspect unauthorised access.

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Keeping the company's contact details up to date is one of the most useful things you can do. We send important communications by post, by email and (when you have agreed) by text message, and we cannot reach you if those routes are out of date.

What to do

The quickest way to update the details we hold is the Update Your Contact Details form. The form covers:

• the company's correspondence address (including a temporary forwarding address);
• a new phone number, or removal of one you no longer use;
• a new email address;
• a change of director contact, or a new authorised contact for the account;
• preferred contact times or channels.

For straightforward changes we will normally update the record within two working days and write to confirm. If a change affects how a Direct Debit is reported (rare — only when bank details change) we will tell you what to expect.

If the company changes its name

If the company changes its registered name at Companies House, we need to update our records to match the legal entity on the loan. Please use the Update Your Contact Details form, tell us the new name and the date of the change, and we will check it against the Companies House register. Once confirmed, statements, settlement figures and future correspondence will be issued in the company's updated name. The loan itself stays with the same legal entity — a change of name does not change who is liable.

If a director changes

If a director leaves or joins, or an existing director changes their own name, tell us through the same form. We may ask for confirmation from Companies House and a fresh identity check on any new director, so our records and our anti-money-laundering checks stay current.

Telling other places too

Updating us is one step. After a company name change you will also want to update the company's bank, HMRC, its invoices and website, and anyone the company contracts with. Companies House guidance at gov.uk sets out the formal process for changing a company name.

If anything is unclear, please contact us — and if a director has additional support needs around how we communicate, please tell us using the Additional Support Needs form so we can accommodate them.

Related account articles cover registered company detail changes, bank detail updates and where to find account documents.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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You can update most company details directly inside your Credicorp online account. Changes to legally significant information — such as your registered company name following a Companies House amendment — are reviewed by our team before they take effect, usually within one working day.

What you can update yourself

• Trading address and correspondence address
• Main business telephone number
• Primary contact name and job title
• VAT registration number

Changes that require a review

Registered company name changes, Companies House number corrections, and changes to your SIC code require supporting documentation (for example, a Certificate of Incorporation on Change of Name). Upload the document through the Company Details section and our team will confirm once verified. Do not attempt to use new banking details or increase your facility limit until the review is complete.

Why keeping details current matters

Our credit decisions and facility reviews draw on your company profile. Outdated information can slow automated checks, delay drawdowns, or trigger a manual hold on your account. If your company has undergone a restructure — for example, converting from an LLP to a limited company — contact us directly, as this may require a new application.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I add or remove a user on my Credicorp account?, Who can access my Credicorp account?, How do I update the bank account details on my Credicorp account?.

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If your business has changed bank accounts, you'll want to make sure the account we use for your Credicorp facility is up to date. Because bank details are sensitive, we handle these changes carefully.

What changing bank details affects

• The account used for any disbursement
• The account from which repayments are collected, where applicable

How to make the change

You can start the request from your account settings or by contacting our support team. To protect your business against fraud, we will verify the new details before they take effect. This may include confirming the request comes from an authorised person at your company and checking that the new account is in your company's name.

Important security note

We will never ask you to change your repayment or disbursement details in response to an unexpected email or phone call. If you receive a message claiming to be from us asking you to redirect payments, do not act on it. Instead, contact us using the details on our website. Verifying changes like these is how we help keep your company's money safe.

Once the change is confirmed, you'll receive confirmation in your account documents.

You may also need to update your contact details or update registered company details. For fraud-prevention basics, see keeping your account secure.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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It is important that we always hold your current phone number, email address and postal address. Out-of-date details can mean you miss statements, notices or messages about your account.

Keeping your details current also helps us verify it is really you when you call, and means time-sensitive items — such as a settlement figure or a response to a request — reach you without delay.

The quickest way to update them is the Update Your Details form on our Forms & Requests page. We will confirm once the change has been applied. If you have changed your business name or registered address as well, use update your address, name or contact details, and see how we verify it is really you on the phone.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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Changing your registered company name is a formal step at Companies House, and once it’s done your Credicorp record should match. Because the name is part of the agreement and how we verify you, this is a checked change rather than a free-text edit.

What we need

• The new registered name exactly as it appears on the certificate.
• Your company number — which does not change when the name does.
• The certificate of incorporation on change of name (or we may confirm it directly from the public register).

How to submit it

Go to Account > Company details and choose Registered name change, or use the company-details update form. We verify against the register and update your agreement references so everything stays consistent. Your company number, facility and balance are unaffected — only the name on the records changes.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: Updating your registered company details, How to update your trading name, Updating your registered office address.

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You can update your registered office address through the Settings → Company Details section of your Credicorp online account. The change is applied to all future correspondence, statements, and formal notices from that point forward.

What you will need

• Your new registered office address as it appears at Companies House
• The effective date of the change (must match your CH filing)
• Proof of the update if requested — a Companies House confirmation is usually sufficient

Why the address must match Companies House

Because lending is made to the company, we are required to hold the address exactly as registered. If your CH record has not yet been updated, complete that filing first, then return to your Credicorp account to make the change. Mismatched addresses can delay disbursements or trigger a manual verification step.

How long does it take?

Address changes made before 16:00 on a business day are typically processed the same day. You will receive a confirmation email to your account's registered contact address once the update is live. If you have an active Flex facility or outstanding Slice instalments, the new address will appear on your next scheduled statement.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I link a new bank account to my Credicorp account?, What information does the Credicorp dashboard show?, How do I update my company details in my Credicorp account?.

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Companies often trade under a name that differs from the registered company name, and that trading name can change without the legal entity changing at all. If you’ve rebranded or started trading as something new, you can record it so your statements and correspondence read the way you expect.

Legal name vs trading name

Your registered company name and number are what the agreement is with and what we verify against — those don’t change here. Your trading name is a display label. Updating it does not create a new agreement or affect anything you owe.

How to update it

• Go to Account > Company details > Trading name.
• Enter the trading name exactly as you use it publicly.
• Save — the change appears on future statements and communications.

If the registered company name has actually changed at Companies House, that’s a different, verified update — see the linked guide below.

Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.

See also: Updating your registered company details, How to update your company details, How to update your registered company name.

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An authorised signatory is a person your company has helped to act on its behalf in dealings with us, such as agreeing changes to your facility. When that person changes, the account needs to be updated so we know who has authority.

When you might need to change it

• A director or finance lead with authority leaves the business
• Your company appoints someone new to handle its finance arrangements
• Your board changes who is authorised to act

How we handle the change

Because a signatory can make decisions that bind the company, we verify these changes carefully. We'll need confirmation that the new arrangement is genuinely authorised by your company, for example by someone with existing authority or appropriate evidence of the appointment. This protects your business from unauthorised changes.

Signatory versus user access

It's worth knowing the difference between a signatory and a portal user. A user can sign in and view or manage the account online according to their role. A signatory has authority to act for the company in its agreement with us. Someone may be one, both or neither. To start a change, contact our support team and we'll guide you through what's needed.

Related changes include changing the main account administrator, updating registered company details and updating address, name or contact details.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing your communication preferences.

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Credicorp disburses funds only to a verified UK business bank account held in your company's name. If you change your business bank account — for example, switching from one bank to another or opening a new account — you must update and re-verify your details before your next drawdown.

How to submit a bank account change

• Log in and go to Account > Banking Details > Update Bank Account.
• Enter the new sort code and account number.
• Upload a recent bank statement (dated within the last 90 days) showing your company name, sort code, and account number. A PDF downloaded from your online banking is acceptable.
• Confirm the change. You will receive an email acknowledging the request.

What happens during verification

Our operations team checks that the account is a UK business account held in the same company name as your Credicorp account. If the names differ — for example, due to a trading name — include a covering note explaining the relationship. Verification typically completes within one working day. Until verification is confirmed, any pending drawdown will be held; repayments can still be made from either account during this period.

If you need an urgent drawdown

If you have an active Flex facility and an urgent drawdown need while the new details are being verified, contact support to discuss options. We cannot override the verification step, but we can prioritise the review if you notify us promptly.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I update my company details in my Credicorp account?, How do I add or remove a user on my Credicorp account?, How do I update my company's bank details?.

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The portal works in your phone’s browser, so you can check your balance, request a drawdown, make a payment or download a statement wherever you are — no separate app needed.

Getting set up

• Open your phone browser and go to the portal address, then sign in.
• Add it to your home screen for one-tap access next time.
• Keep two-factor authentication on — it’s especially worth it on a device that travels with you.

On the move, sensibly

Everything you can do on a desktop you can do on mobile, but be mindful where you do it: avoid signing in over open public Wi-Fi, and lock your phone. If your phone is lost or stolen, you can sign it out remotely from another device in Account > Security > Devices, and change your password to be safe.

Whenever a change touches money, access or your company’s data, we verify the request is genuinely from an authorised person before we act. We will never ask you to confirm full security details by email or phone to release information or push through a change — if a message pressures you to do that, treat it as suspicious and contact us to check.

See also: How to sign in from a new device safely, How to change what your dashboard shows, Keeping your account secure.

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Not being able to get into your account is frustrating, and most of the time it comes down to something small and easily fixed. This page walks through the quick checks to try first, how to recover access if the password really is the problem, and — just as importantly — how to be certain you are on the genuine site before you type your details in anywhere.

Quick self-checks to try first

Before anything else, run through these. They clear up the large majority of sign-in problems in a minute or two.

• Check the email address. Sign in with the exact email address your account is registered to. A different address — a personal one instead of the business one, or an old inbox — simply will not match.
• Watch for Caps Lock and autocorrect. Passwords are case-sensitive. Caps Lock left on, or a phone keyboard auto-capitalising the first letter, is one of the most common causes of a "wrong password" message.
• Be wary of saved or autofilled details. A browser or password manager may be filling in an old password, or details for a different site. Clear the fields and type them yourself to be sure.
• Your session may simply have expired. For security, we sign you out after a period of inactivity. If a page that worked earlier now asks you to sign in again, that is expected — just sign in fresh.
• Try once more, slowly. Re-enter the email and password carefully, then submit. Avoid hammering the button — repeated rapid attempts can trip a temporary lock designed to keep your account safe.

How to reset or recover your access

If the checks above have not worked, the password itself is the most likely culprit. You can reset it yourself without needing to call us.

1. Type the portal address yourself. Go to credicorp.co.uk and open the sign-in page directly, rather than clicking a link you were sent.
2. Use the "forgotten password" link. On the sign-in page, choose the option to reset your password. You will be asked for the email address on the account.
3. Check your inbox for the reset link. We send a secure link to that email address. If it is not there within a few minutes, look in your spam or junk folder, and confirm you used the right address.
4. Set a new, strong, unique password. Choose something you do not use anywhere else. A few random words together are easy to remember and hard to guess.
5. If you are locked out, give it a short while. A temporary lock after several failed attempts usually clears on its own after a short period. If you still cannot get in after resetting, contact us through the official site and we will help.

How we confirm it is really you when you ask for help

If you do need to contact us about getting back in, we will first confirm we are genuinely speaking to you before discussing anything account-specific. This protects you from impersonation — and it is also why we will only ever help you reset access through our own secure process, never by you sharing a password with us.

We typically ask for a small set of details such as your name, date of birth and the address we hold, and a couple of digits from your account or reference number — never the whole thing. What we will never ask for is your full password, your card's long number, or a one-time code. For exactly how this works, see how we verify it is really you on the phone.

Keeping your login secure afterwards

Once you are back in, a few simple habits keep things safe going forward:

• Use a strong, unique password for the portal — not one you reuse on other sites.
• Turn on any extra login step the portal offers, so a password alone is not enough to get in.
• Secure the email account your sign-in is registered to. Whoever controls that email can often reset other logins, so protect it just as carefully.
• Sign out on shared or public devices and avoid saving the password in a browser someone else uses.

There is more on all of this in keeping your portal login secure.

This help site never asks you to sign in

One thing worth knowing: this help centre is account-blind. It holds no logins and stores none of your personal details — we cannot see your balance, your account, or whether you are signed in, and nothing you read here is tied to your identity. The only place you sign in is the portal on credicorp.co.uk. If a page that looks like ours asks you to "log in to read this" or to "verify your account" to view help, that is a warning sign of a fake.

If you still cannot get in

If you have run the checks, reset your password and confirmed you are on the genuine site but still cannot sign in, contact us through the official credicorp.co.uk site and we will help you recover access securely. Use the General Support Enquiry form or the details on our Contact Us page — and if a phone call is difficult for any reason, our Additional Support Needs form lets us note that on your account.

Credicorp Limited lends to UK limited companies and LLPs for business purposes. This is exempt business lending, not regulated consumer credit, so the borrower is the company rather than an individual — but the security of your portal login matters just as much, and the guidance above applies in full.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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Login problems are almost always solvable without contacting support. Work through the checks below in order before raising a ticket.

Common causes and quick fixes

• Wrong email address — your Credicorp login is tied to the business email you registered with, not a personal address. Try any alternative business email addresses you may use.
• Account locked after failed attempts — after five incorrect password entries, the account is locked for 15 minutes. Wait, then try once more or use the Forgotten password? link.
• Browser cache or cookies — clear your browser cache, or try an incognito/private window. Outdated session cookies occasionally prevent the login page from loading correctly.
• Two-factor authentication (2FA) code not arriving — check that your registered mobile number is current. Authenticator app codes can fail if your device clock is out of sync; re-sync it in your phone's date/time settings.
• Account not yet verified — new users must click the verification link in their invitation email before they can log in. Request a fresh invite from your company's account administrator.

When to contact support

If you have worked through the above and still cannot log in — particularly if you suspect unauthorised access or your email address has changed — contact our team directly. Include your Companies House number in your message so we can locate your account quickly and securely.

Security notice

Credicorp will never ask for your password by email, phone, or chat. If you receive any such request, do not respond and report it to us immediately.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I reset my Credicorp account password?, Who can access my Credicorp account?, What should I do if I suspect unauthorised access to my Credicorp account?.

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Your account holds important information about your company's borrowing, so keeping it secure protects your business. A few habits make a real difference.

Protect your sign-in

• Use a strong, unique password that you don't reuse elsewhere
• Never share your login; give each colleague their own user account instead
• Be cautious of emails or calls asking you to confirm passwords or codes

Manage access carefully

• Give each user only the access their role needs
• Remove people promptly when they leave or change role
• Review your user list regularly so no old accounts linger

Spot anything unusual

If you notice activity you don't recognise, a login you didn't expect, or you think a password may have been exposed, change the password immediately and contact our support team. We will never ask you to disclose your full password, and we will never ask you to move money to keep it safe.

Because we lend only to companies, your account and its security sit outside the FCA consumer-credit regime, but the same common-sense protections apply. Looking after access is part of looking after your company's finances.

Useful next steps include resetting your password, adding users safely and removing access when someone leaves.

See also: Can I get a copy of my Business Loan Agreement?, Changing the main account administrator, Changing your communication preferences.

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Notifications keep you informed about activity on your company account, from upcoming payments to new documents. You can tailor many of these to suit how your finance team prefers to work.

What you can adjust

• Reminders about upcoming or scheduled payments
• Alerts when a new statement or document is available
• Updates about requests you have raised with us
• Optional product news and service updates

You can manage these from the Notifications section of your account settings. Each user can set preferences for their own login, so the right people get the messages that matter to their role.

Messages we will always send

Some communications are essential to the operation of your agreement and cannot be switched off. These include important notices about your account, changes that affect your Credicorp Flex or Slice facility, and anything we are required to send you. Turning off optional updates does not affect these service messages.

Keeping contact details current

Notifications are only useful if they reach you. Make sure the email addresses and any phone numbers on the account are correct and monitored, and review them whenever someone joins or leaves your team. To choose which channel we use for each type of message — email, phone or post — see changing your communication preferences. For security notifications specifically, see what your account activity alerts are telling you.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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Roles let you match each colleague's access to their job. Rather than everyone seeing and changing everything, you decide who can manage the account, who can act day to day, and who can only look.

Typical roles

• Administrator — manages users and roles, updates company contact details, and oversees account settings as well as everyday tasks
• Standard user — handles day-to-day activity such as viewing balances and statements and raising requests, without managing other users
• View-only — can see balances, statements and documents but cannot make changes or raise requests

Choosing the right role

A useful principle is least privilege: give each person only the access they need. Your bookkeeper or accountant might suit view-only access, while a finance manager may need standard or administrator rights. You can change someone's role at any time as their responsibilities change.

Keep at least one administrator on the account so user management never gets stuck. We recommend two, so cover is in place if one person is away or leaves the business. Whatever the role, the account itself remains the company's, and the company is responsible for what its users do.

Next, see how to add users to your company account, remove a user from your account or give your accountant access.

See also: Can I get a copy of my Business Loan Agreement?, Changing the main account administrator, Changing your communication preferences.

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Your account is held in your company's name, so it's important that the legal and contact details we hold match your records at Companies House. Keeping them current means your statements, notices and correspondence reach the right place.

Details to keep up to date

• Registered company name and number
• Registered office address
• Trading address, if different
• Main business contact details

How to update them

You can update many details from the Company details area of your account settings. Some changes, particularly a change of company name or number, may need to be confirmed by our team so that documents and agreements stay properly aligned with the right legal entity. If we need supporting evidence, such as confirmation of a name change at Companies House, we will tell you what is required.

Why it matters

Accurate details help us serve any legal notices correctly and make sure important information about your Credicorp Flex or Slice facility is not missed. If your company is undergoing a more significant change, such as a restructure or sale, contact our support team so we can advise on what that means for your account.

For nearby changes, see updating address, name or contact details, updating the authorised signatory and updating your bank details.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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Because lending is made to the company rather than to any individual director, a director leaving has no effect on the facility itself — repayment schedules continue as normal and the outstanding balance does not change. What you do need to manage is that person's user access to the online account.

Removing a departing director's access

Any account administrator can go to Settings → Users → Manage Access and deactivate the departing director's login immediately. Deactivation is instant — they will no longer be able to view balances, initiate drawdowns, or download statements from the moment you confirm the change. We recommend doing this on or before their last day.

Assigning a replacement administrator

If the departing director was the sole account administrator, you must promote another authorised user to administrator role before removing them. If no other users exist on the account, contact our support team with your company's facility reference, the name of the departing director, and details of the authorised signatory who should take over. We will complete an identity verification step to ensure continuity of access without compromising security.

Updating signatory information

If your company's authorised signatories at Companies House have changed as a result of the director leaving, update those details under Settings → Company Details once the CH filing is confirmed. This keeps our records aligned with the current company structure.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I add or remove users on my Credicorp account?, How do I update my registered office address in my Credicorp account?, What happens to my account when I repay in full?.

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Repaying your facility in full is good news, and it doesn't mean your account is closed automatically. Your account stays in place so you can access your history and, if you wish, borrow again in future.

What happens after final repayment

• Your balance shows as settled once the final payment clears
• You'll receive confirmation that the facility has been repaid
• Your statements, agreement and documents remain available to download

Your account stays open

Keeping the account open means your records are there when you need them for bookkeeping, audits or year-end, and it makes any future application simpler because your business is already set up with us. There's no obligation to borrow again, and an open account with a settled balance costs you nothing.

If you want to close it

If you'd prefer to close the account once everything is settled, you can ask us to do so. Before you close it, download any documents you want to keep, because access ends when the account is closed. Our support team can confirm there's nothing outstanding and guide you through it.

See also: How do I close my Credicorp account?, What happens to my data after I close my account?, How do I update the authorised signatory on the account?.

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When you close your account, we don't simply delete all your information straight away. Some records we are legally required to keep for a period, even after an account is closed.

What we keep, and why

• Records of your agreement and repayments, to meet legal and regulatory obligations
• Information needed to deal with any later queries, audits or disputes
• Anything we must retain under tax, anti-money-laundering or other applicable law

We keep this information only for as long as we have a lawful reason to, then dispose of it securely. Closing the account does mean you'll lose online access, so download anything you want to keep beforehand.

Your data rights

Under UK data protection law you have rights over your personal data, including the right to ask for a copy of it or, in some cases, to ask us to erase it. Erasure rights are not absolute: where we are required to keep records, we cannot delete them until that period ends. You can read more in our privacy notice or contact us to make a request.

As a business lender, our service sits outside the FCA consumer-credit regime, but our data protection responsibilities still apply in full.

See also: How do I request a copy of my data?, What happens if there is a data breach?, What happens to my account when I repay in full?.

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The Credicorp dashboard is your central view of everything happening across your company's account. It loads on login and refreshes in real time, so the figures you see reflect the current state of your facilities rather than the previous day's snapshot.

Summary panel

• Business Loan — outstanding principal, next repayment date and amount, and a repayment progress indicator
• Credicorp Flex — total facility limit, current drawn balance, and available headroom; one-click drawdown button if headroom is available
• Credicorp Slice — active Slice arrangements showing bill reference, total spread, instalments paid, and next instalment date

Recent activity feed

Below the summary panel, the activity feed shows the last 30 transactions across all facilities in reverse chronological order. Each entry shows the date, type (drawdown, repayment, fee), facility it relates to, and amount. Select any entry to see full detail including the payment reference and the bank account involved.

Upcoming payments

A forward-looking panel shows the next seven days of scheduled repayments or Slice instalments. This updates automatically when you make an early repayment or adjust a Flex drawdown. You can also export this view as a calendar file to import into your finance team's diary.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I export my Credicorp account history?, Can I manage multiple Credicorp facilities from one account?, What should I do if I suspect unauthorised access to my Credicorp account?.

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If you notice unfamiliar activity — a drawdown you did not request, an unknown user added to the account, or a login from a device or location you do not recognise — treat it as a potential security incident and act straight away.

Immediate steps

• Change your password immediately using the Forgotten password? flow, which invalidates all existing sessions across every device.
• Review the audit log — go to Account > Activity Log to see a timestamped list of every login, drawdown request, and settings change in the last 90 days.
• Remove any unfamiliar users — go to Account > Users and revoke access for anyone you do not recognise.
• Contact Credicorp support immediately — call or email us and ask for an account freeze. We can pause all drawdown activity while you and our team investigate. Provide your Companies House number for fast verification.

What Credicorp will do

Once we receive a security incident report, we freeze outbound transactions, flag the account for our security team, and send you a written timeline of all recent account events. We will work with you to establish whether any transactions need to be disputed and, where appropriate, refer the matter to Action Fraud.

Prevention

Enable two-factor authentication (2FA) under Account > Security — it is the single most effective control against account takeover. Ensure that every user on the account uses a unique, strong password and that access is revoked promptly when staff leave.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: I cannot log in to my Credicorp account — what should I do?, How do I reset my Credicorp account password?, Who can access my Credicorp account?.

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Your important account documents are stored securely in one place, so you can find what you need without searching through old emails. Everything sits within your signed-in account.

What you'll find

• Your credit agreement and any related terms
• Statements of account
• Notices and letters we have sent you
• Confirmations of changes you have requested

Finding and downloading documents

Sign in and open the Documents area of your account. Documents are usually listed with the most recent first, and you can download them as PDFs to save or share with your accountant. If you need a document that isn't shown, our support team can help you locate or reissue it.

Keeping copies

It's good practice to download and store key documents in your own records, especially your agreement and statements, so your finance team always has them to hand for bookkeeping, audits or year-end. Which documents a colleague can see depends on their user role, so view-only users will still be able to read and download what they have access to.

See also: How to download your loan documents, Can I manage more than one facility from a single account?, Can my company use Flex and Slice together?.

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Your Credicorp account belongs to your company, not to any one individual. During onboarding, the person who completed the application is automatically set as the first administrator. From that point, your company controls who can see or act on the account.

Two permission levels

• View Only — can see balances, statements, repayment schedules, and drawdown history. Cannot initiate transactions or change account settings.
• Full Access — can request drawdowns on a Flex facility, make repayments, update company details, and manage other users. Treat this level as equivalent to having a company credit card.

Who should hold Full Access?

Typically this is one or two directors or a designated finance manager. Avoid granting Full Access to contractors or temporary staff. If an authorised signatory changes — for example following a directorship change registered at Companies House — update your user list promptly.

Shared or generic logins are not permitted

Each user must have their own email address and login. Shared credentials obscure the audit trail and can complicate any dispute over a transaction. Credicorp may suspend an account where we detect concurrent sessions under the same login from different devices.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How do I add or remove a user on my Credicorp account?, I cannot log in to my Credicorp account — what should I do?, What should I do if I suspect unauthorised access to my Credicorp account?.

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A Credicorp account is a business account. It is opened in the name of a UK limited company or limited liability partnership (LLP) that borrows from us for genuine business purposes. The account, like the borrowing itself, belongs to the company rather than to any individual.

Who is eligible

• UK-registered limited companies (Ltd or PLC)
• Limited liability partnerships (LLPs) registered with Companies House
• Businesses borrowing for trade, growth, equipment, stock or working capital

Who is not eligible

• Individuals borrowing for personal or household use
• Sole traders and ordinary (non-LLP) partnerships
• Charities and other bodies that are not the entity types above

Because we lend only to incorporated businesses for business purposes, your agreement sits outside the FCA consumer-credit regime. That means the Financial Ombudsman Service and the Financial Services Compensation Scheme (FSCS) do not apply. We also do not take personal guarantees from directors: the obligation is the company's.

If you are unsure whether your business qualifies, our team can confirm eligibility before you apply for Credicorp Flex or Credicorp Slice.

See also: Who is eligible for Credicorp Flex?, What is a business loan?, Can a sole trader or ordinary partnership apply?.

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If you have stopped seeing emails from us, or never received the ones you expected, the cause is usually a delivery or settings issue that's quick to sort out.

Quick checks

• Look in your spam, junk and clutter folders
• Confirm the email address on your account is correct and spelled properly
• Check that the relevant notifications are switched on in your settings
• Make sure your mailbox is not full and that mail is not being auto-filtered

Add us to your safe senders

Ask your IT team or email provider to allow messages from our official domain so they are not blocked or quarantined. Business email systems sometimes hold or reject messages from outside the organisation, which can stop genuine account emails getting through.

Check the right person is set up

Notifications go to the users on the account. If a colleague who used to receive alerts has left, their emails will stop. Make sure an active, monitored address is set to receive the messages you need, and consider having more than one person receive important alerts.

If everything looks correct and emails still aren't arriving, contact our support team and we'll help track down where messages are going.

For related settings, see managing notification preferences, resetting your password and how to contact Credicorp support.

See also: How do I add users to my company account?, Can I get a copy of my Business Loan Agreement?, Changing the main account administrator.

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