Online retail moves fast, but the cash often doesn't keep pace. Credicorp lends to UK limited companies and LLPs trading through their own sites, marketplaces, or both, for genuine business purposes such as inventory, marketing, and operations.
Where the cash gets stuck
An e-commerce company typically pays for stock and shipping up front, then waits — for goods to arrive, for marketplace payouts to settle, and for marketing to convert into orders. Growth makes this worse, not better, because every extra sale needs more stock bought ahead of it.
Common uses
- Buying inventory ahead of a launch or peak
- Funding paid acquisition while it scales
- Bridging marketplace and payment-processor settlement delays
- Investing in warehousing, fulfilment, or your platform
How we assess online sellers
We look at your trading data, order patterns, and the channels you sell through. Steady, repeatable sales help us understand the shape of your business. The rate and term you're offered reflect your own profile and are shown in your offer.
The basics
The facility is to your company; we take no director personal guarantees. As an exempt business lender outside the FCA consumer-credit regime, the Financial Ombudsman Service and FSCS do not apply. Credicorp Flex and Credicorp Slice suit different rhythms of online trade.
See also: Funding for hospitality businesses, Funding for wholesale and distribution companies and Business lending in Glasgow.