Applying

Does the day of the week or time I apply affect how fast I get a decision?

Largely, no. Because a big part of the assessment is automated, applications progress at all hours, so a weekend or evening application is not simply parked. The main variable is not the clock but whether your application needs a human step — and even then, the wait is usually short.

Automation runs any time

Much of the decision is automated and consistent — is the decision automated or reviewed by a person — which is why you can apply outside office hours and still make progress. A straightforward, well-prepared application can get a fast decision whenever you submit it.

Where timing shows

If your application needs a person — a review or a document — that part happens when the team is available. Connecting by Open Banking and replying promptly keeps you on the fast path regardless of when you start — what makes a credicorp application quicker.

Set your own pace

Apply when it suits, pause if you need to, and watch your status. Typical timings are in how quickly will I get a decision.

Apply whenever works for you.

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: Can I apply outside normal office hours?, What makes a Credicorp application quicker than most?, How quickly will I get a decision?.

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