Cash-flow pressure is one of the most common reasons a Tamworth limited company looks at external finance. Credicorp offers three products that address different cash-flow scenarios — and all of them lend to the company, with no requirement for a director personal guarantee.
Matching the product to the cash-flow problem
- Gap between invoice and payment — Credicorp Flex is a revolving facility that stays open for repeated use. Draw when the gap opens, repay when the customer pays.
- One large unexpected cost — Credicorp Slice spreads a single bill across three or four weekly payments at a flat 6% fee, turning a lump sum into manageable instalments.
- A planned investment — a fixed Business Loan delivers a set amount over a defined short term, so the company knows exactly what it owes and when it will be repaid.
Why Tamworth businesses face cash-flow cycles
Tamworth's commercial base spans distribution (it sits at the junction of several major road corridors), light manufacturing, construction, and retail trade. Many of these sectors run on 30–90 day payment terms, meaning a company can have a healthy order book yet a strained bank balance at month end. Short-term commercial finance bridges that gap without the company selling equity or a director dipping into personal savings.
What does the application involve?
Credicorp applications are digital. You will need your company registration number, recent business bank statements, and basic trading details. There are no in-person requirements. Because this is business finance lent to the company, individual director credit scores are not the primary lens — the company's trading position is.
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: Revolving credit for Solihull limited companies, Business loans for Nuneaton limited companies, How does Credicorp Flex revolving credit work?