Credicorp lends across the whole of the United Kingdom, and that includes companies incorporated in Northern Ireland. We fund NI-registered limited companies and LLPs for genuine business purposes — in Belfast and across Derry/Londonderry, Lisburn, Newry, Armagh and the wider region. We are the lender, not a broker, and we do not lend to sole traders or to individuals.
Northern Ireland companies are UK companies for our purposes
A limited company or LLP incorporated in Northern Ireland is registered at Companies House like any other UK company — NI incorporations carry an "NI" company number (and "NC" for Northern Irish LLPs) rather than the "0" or "OC" prefixes used in England and Wales, or the "SC" and "SO" prefixes used in Scotland. That difference in the number does not change how we assess you. Our checks look at the same public register, your filing history and your company's circumstances, so an NI-registered business is treated on exactly the same basis as one registered elsewhere in the UK. You can read more about why we check Companies House when you apply, and about lending to limited companies across the UK.
The Belfast and NI companies we see
Northern Ireland has a genuinely diverse business base. Belfast itself has a fast-growing technology and digital cluster, a strong professional and financial-services scene, and a busy hospitality, tourism and events sector. Beyond the city, advanced manufacturing and engineering remain a real strength, and food and drink — from producers to processors — is one of the region's defining industries. Incorporated businesses across these sectors usually face timing gaps rather than viability problems: an agency waiting on long client payment terms, a manufacturer buying materials ahead of a confirmed contract, or a food producer funding a seasonal stock build.
If your funding need maps to a particular sector, these may help:
- Funding for manufacturing companies — for engineering and production firms buying materials or plant ahead of orders.
- Funding for food and drink producers — for the agri-food and processing businesses that are central to the NI economy.
- Funding for tech startups — for Belfast's software and digital companies that want growth funding without directors signing personally.
How Flex and Slice can help
- Credicorp Flex gives a company a flexible facility to draw against as working-capital needs rise and fall through the year.
- Credicorp Slice supports a defined, one-off cost with a clear, fixed repayment shape.
Which one fits depends on whether your need is recurring or a single planned cost; Credicorp Flex vs Credicorp Slice walks through the difference. The amount, rate and term are always those set out in your own offer, based on your company's circumstances — we never quote a single headline figure, because every business is different. Lending is to the company, so we do not take personal guarantees from directors or members; you can read why in why Credicorp does not take personal guarantees. A Northern Irish LLP is treated the same as a limited company for our purposes — see whether an LLP can apply for Flex or Slice.
What to keep in mind
Some commercial and property concepts differ in Northern Ireland — for example, security over land and property follows NI law rather than the systems used in England, Wales or Scotland. Where that is relevant to an agreement, your offer documents will reflect it, and you should read them carefully before you accept. Credicorp is an exempt business lender operating outside the FCA consumer-credit regime, and that position applies UK-wide, Northern Ireland included: because we lend to incorporated businesses for business purposes, the Financial Ombudsman Service and FSCS protection do not apply to these agreements. See what an exempt business lender is and what FOS and FSCS cover for the detail. If anything in your agreement is unclear, contact our support team before you sign.
See also: Business lending in Bradford, Business lending in Bristol, Business lending in Cardiff.