Edinburgh is Scotland's capital and one of the strongest city economies in the UK, and we fund incorporated businesses across the city and the wider Lothians. 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 business funding in Edinburgh, the first question is always whether your business is incorporated.
The Edinburgh business picture
Edinburgh has a deep financial-services base — banking, asset management, insurance and fintech — sitting alongside a fast-growing technology and software cluster, two large universities, and a tourism and hospitality sector that swells around the summer festivals and the winter season. That mix means very different funding patterns: a software firm scaling headcount, a professional-services practice waiting on staged fees, or a hospitality operator bridging the gap between a quiet spring and a packed August.
Companies across Edinburgh typically come to us to invest in growth, take on a larger contract, smooth seasonal swings, or steady cash flow between billing cycles.
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 Edinburgh's tech and start-up community in particular, this can matter; see our note on funding for tech start-ups without personal guarantees.
Important context for Edinburgh 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 Edinburgh 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.