You do not have to decide on the spot. An offer gives you time to think it over, run the numbers and, if you like, talk to a co-director — there is no pressure to sign the moment it appears. Offers do have a shelf life, though, so it is worth knowing the window.
Why offers have a validity window
An offer is based on your company's position at the time we assessed it. Because that picture can change, an offer is valid for a set period rather than indefinitely — see how long approval lasts. Deciding within that window means the offer still reflects your current situation.
Reading the schedule and total cost properly is time well spent. You are free to not proceed with no penalty, or to ask about a different amount.
Using the window well
Model the repayment at Credicorp Tools, check it against your cash flow, and make sure the purpose is right — what counts as a business purpose. When you are ready, accepting takes moments.
Apply, then decide in your own time within the offer window.
We lend only to UK limited companies and LLPs, the loan is to the company with no director personal guarantee, and this is business finance outside the consumer-credit regime — as an exempt lender under Article 60B of the Regulated Activities Order we sit outside FCA consumer-credit regulation, so the Financial Ombudsman Service and FSCS do not apply.
See also: How long does credicorp approval last, What happens after you accept your offer?, I have an offer but dont want to go ahead what now.