Credicorp lends UK-wide, and that includes companies incorporated in Scotland. We fund Scottish-registered limited companies and LLPs for genuine business purposes, from Edinburgh and Glasgow to Aberdeen, Dundee and the wider Highlands and Islands. We are the lender, not a broker, and we do not lend to sole traders or to individuals.
Scottish companies are UK companies for our purposes
A company or LLP registered in Scotland is still registered at Companies House — Scottish incorporations carry an "SC" company number (and "SO" for Scottish LLPs) rather than the "0" or "OC" prefixes used in England and Wales. That difference does not change how we assess you. Our checks look at the same public register, your filing history and your company's circumstances, so a Scottish-registered business is treated on exactly the same basis as one registered elsewhere in the UK. You can read more about why we check Companies House when you apply.
What we look for
- An active limited company or LLP registered at Companies House, including Scottish "SC" and "SO" registrations.
- A genuine business purpose for the borrowing — working capital, a new contract, equipment 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.
Scotland's business mix
Scotland's economy spans energy and offshore engineering around Aberdeen, financial and professional services in Edinburgh and Glasgow, life sciences, food and drink, tourism and a fast-growing technology cluster. Funding needs vary just as widely: a contractor may need working capital before a project pays, a hospitality operator may bridge a quiet season, and a growing firm may invest ahead of new demand.
A note on Scots law and protections
Some commercial concepts differ north of the border — for example, security over Scottish property follows Scots law rather than the English system. 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, Scotland included: because we lend to incorporated businesses for business purposes, the Financial Ombudsman Service and FSCS 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. We do not take personal guarantees from directors or members — the agreement is with the company itself.
For more on how this works across the country, see lending to limited companies across the UK. If anything is unclear, contact our support team before you sign.
See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.