Cardiff is the capital of Wales and the largest city economy in the country, and we fund incorporated businesses across the city and the surrounding South Wales region. Credicorp lends only to UK limited companies and LLPs for genuine business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders. If you are looking for a business loan in Cardiff, the first question is always whether your business is incorporated. Welsh companies register at Companies House on exactly the same basis as English ones, so applying works in the same way wherever in the UK you trade.
The Cardiff business picture
Cardiff's economy leans heavily on services. A large public sector — the Senedd, Welsh Government, the NHS and the universities — anchors the city and supports a wide tier of suppliers, contractors and professional firms that serve those institutions. Around that sit a strong professional-services base in law, accountancy and consultancy, a busy hospitality and visitor economy built on sport, conferences and the waterfront at Cardiff Bay, and a fast-growing creative and media cluster spanning broadcast, film, animation and digital studios. Each of these trades to a different rhythm: a consultancy waiting on staged fees, a hospitality operator bridging the gap between quiet weeks and a packed match or festival weekend, or a production company funding a project up front against a contract that pays on delivery.
Companies across Cardiff typically come to us to invest in growth, take on a larger contract, smooth seasonal or project-driven swings, or steady cash flow between billing cycles.
The sectors we see most in the city
- Professional services — law firms, accountants and consultancies that bill in arrears or on milestones often carry weeks of work before the invoice lands. See our guidance on funding for professional services firms and, for practices specifically, funding for law firms and legal practices.
- Hospitality & the visitor economy — hotels, bars, restaurants and event venues earn unevenly across the calendar and around the city's sporting and conference fixtures. Our note on funding for hospitality businesses covers the cash-flow side of that.
- Creative, media & consultancy — studios and agencies frequently fund a project before the client settles. Our guide to funding for management and IT consultancies speaks to project-led billing that maps closely onto Cardiff's media and digital firms.
Matching a product to your need
- Credicorp Flex gives a company a flexible facility to draw on as working-capital needs rise and fall through the year — useful where income is seasonal or project-driven.
- Credicorp Slice supports a one-off, clearly defined cost over an agreed repayment period — for example a planned equipment, fit-out or software purchase.
If you are weighing the two, our guide to Credicorp Flex and Credicorp Slice explained sets out how each one works in plain terms. The rate, amount and term are always those shown in your specific offer, based on your company's circumstances.
Lending to companies, with no personal guarantee
Because we lend to the company rather than to you as an individual, we do not take personal guarantees from directors. That is a deliberate choice — you can read why Credicorp does not take personal guarantees for the full reasoning. For Cardiff's owner-managed services and creative firms, where the value of the business sits largely in its people and its contracts rather than in hard assets, that position often matters.
Important context for Cardiff borrowers
As business-purpose lending to incorporated borrowers, these agreements fall outside the FCA consumer-credit regime. That makes Credicorp an exempt business lender, and it means the Financial Ombudsman Service and the FSCS do not apply to your facility. This is also why we lend only to limited companies and LLPs, never to sole traders or individuals.
If anything in your offer is unclear, ask before you sign. You can reach our team through Credicorp support, and Cardiff companies are welcome to talk a need through before applying.
See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.