Credicorp lends across the whole of the United Kingdom, and Northern Ireland is part of that. We fund NI-registered limited companies and LLPs for genuine business purposes — from Belfast and Derry/Londonderry to Lisburn, Newry, Armagh, Enniskillen and the rural counties in between. 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 on exactly the same UK register as a company in England, Wales or Scotland. 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 is purely a registration marker — it 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 the same basis as one registered anywhere else in the UK. You can read more about why we check Companies House and about lending to limited companies across the UK.
What we look for
- An active limited company or LLP registered at Companies House, including NI "NI" and "NC" registrations.
- A genuine business purpose for the borrowing — working capital, a new contract, equipment, stock or bridging a payment gap.
- An up-to-date filing position, since we rely on the public register to understand your company.
The amount, rate and term are always those set out in your own offer, based on your company's circumstances — there is no single advertised figure, and pricing lives on our main site and in your quote.
Trading across the UK and the island of Ireland
Many Northern Irish companies trade in more than one direction at once — supplying customers in Great Britain, selling across the border into the Republic, and importing materials from both. That can make the timing of cash flow harder to predict, because invoices, currencies and settlement terms do not always line up. Short-term business finance is built for that kind of gap: covering the period between paying for inputs and being paid for outputs, rather than propping up a loss-making position. For a recurring or hard-to-predict need, Credicorp Flex gives your company a facility to draw against as pressures rise and fall; for a defined, one-off cost, Credicorp Slice gives a fixed term and a clear repayment shape. Our guide to Credicorp Flex vs Credicorp Slice walks through which fits which need.
A note on Northern Irish law and protections
Northern Ireland has its own legal system, separate from both England and Wales and from Scotland. Some commercial and property concepts differ as a result — for example, security over land and property follows NI law rather than the systems used elsewhere in the UK. 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. 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. If you want the detail, see what an exempt business lender is and why we only lend to limited companies and LLPs. Lending is to the company itself, so we do not take personal guarantees from directors or members.
For the city-level picture and the local sector mix — technology, advanced manufacturing, food and drink, and hospitality — see business lending in Belfast and Northern Ireland. 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.