London is the densest concentration of registered companies in the UK, and the spread of business types is enormous: professional-services firms in the City, fintech and media businesses in Shoreditch and King's Cross, hospitality and retail across the West End and the boroughs, and logistics operators ringing the M25. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — never to individuals or sole traders, and never for personal spending.
What London companies tend to borrow for
Because rents and wage costs in the capital are high, the cash-flow gaps we see most often are around timing rather than viability. Common, legitimate uses include:
- Bridging the gap between invoicing a client and being paid, especially on long agency or B2B payment terms.
- Funding a deposit on additional premises or fitting out a new site.
- Covering payroll or supplier costs through a seasonal dip.
- Buying stock or equipment ahead of a known busy period.
How our two products work
We offer Credicorp Flex and Credicorp Slice. Flex is a flexible facility you draw against as you need it; Slice is a fixed-term loan repaid on a set schedule. Which suits you depends on whether your need is recurring or one-off. The rate, amount and term are always those shown in your specific offer — we never quote a single headline number, because every company's position is different.
Important things to know first
Credicorp is an exempt business lender, outside the FCA consumer-credit regime. That means the Financial Ombudsman Service and FSCS do not apply to your agreement. We do not take personal guarantees from directors — the loan is to the company itself. If you are a London limited company weighing up short-term finance, read your offer carefully and contact us with any questions before you accept. You can also read more about business loans in London.
See also: Business lending in Northern Ireland, Business lending in the South East of England and Business lending in Scotland.