Bristol is the economic anchor of the South West, and a growing share of the incorporated businesses we support are based across the city and the wider Bristol and Bath corridor. Credicorp lends to UK limited companies and LLPs for genuine business purposes only. We are the lender, not a broker, and we never lend to individuals or sole traders.
The Bristol business landscape
Few cities have a mix as broad as Bristol's. There is a long-established aerospace and advanced-engineering base around Filton and the wider region, a fast-growing tech and digital cluster, and one of the strongest creative economies outside London — film and animation, media, and design studios. Layered on top is a deep professional-services base of law, accountancy and consultancy firms in the centre and at Temple Quay. Incorporated businesses across all of these regularly fund payroll across project cycles, invest in equipment or software, or bridge the lag between delivering work and being paid.
Choosing between Flex and Slice
Two products cover most needs, and the right one depends on the shape of the cost rather than the sector:
- Credicorp Flex gives a company a flexible facility to draw on as cash-flow needs change through the year — useful for a studio or agency with uneven project billing.
- Credicorp Slice covers a specific, planned cost with a defined repayment schedule — for example a single equipment purchase or a fixed supplier invoice.
The rate, amount and term are always those quoted in your own offer, reflecting your company's position. If you are weighing the two, choosing between Credicorp Flex and Credicorp Slice walks through it in more detail. Either way, lending is to the company, so we don't take personal guarantees from directors.
Limited company or LLP?
Both can borrow. The Bristol creative and professional-services scene has a lot of partnerships structured as LLPs alongside the more familiar limited companies, and either is eligible — see the difference between applying as a Ltd and an LLP for how that affects an application. What we cannot fund is a sole trader or an individual, because that would fall under consumer credit.
Worth knowing before you borrow
Because these are business-purpose loans to incorporated borrowers, they sit outside the FCA consumer-credit regime, which is what makes Credicorp an exempt business lender. As a result, neither the Financial Ombudsman Service nor the FSCS applies. If you run a Bristol limited company or LLP and any part of an agreement needs explaining, ask our team first — you can reach us through the General Support Enquiry form or via the contact page.
See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Cardiff.