Credicorp lends to UK limited companies and LLPs that run retail operations, from single high-street stores to multi-site chains. We are the lender, not a broker, and the facility is granted to the company for genuine business purposes such as stock, fit-out, or working capital.
What retail businesses use funding for
Retail trades on the rhythm of buying stock, selling it, and replacing it. Funding is most often used to smooth that cycle rather than to cover a one-off gap.
- Buying seasonal or bulk stock ahead of a busy trading period
- Refitting or refreshing a shop floor
- Bridging the gap between supplier payment terms and customer sales
- Investing in point-of-sale, stock systems, or e-commerce
What we look at
We assess the company's trading history, sales patterns, and how the funding fits your plan. Because retail revenue can be seasonal, we look at the shape of your year, not just a single month. The rate and term you are offered are shown in your offer, and you should read them in full before accepting.
Important to know
Because Credicorp is an exempt business lender operating outside the FCA consumer-credit regime, the Financial Ombudsman Service and FSCS do not apply, and we do not take personal guarantees from directors. The agreement is with your company. We choose products together: Credicorp Flex and Credicorp Slice each suit different trading patterns. Read more about lending to retail businesses.
See also: How Credicorp decides whether to lend to your company, Funding for e-commerce businesses and Funding for UK construction companies.