Business lending across the UK

Credicorp lends across the whole of the United Kingdom, and that includes companies incorporated in Northern Ireland. We fund NI-registered limited companies and LLPs for genuine business purposes — in Belfast and across Derry/Londonderry, Lisburn, Newry, Armagh and the wider region. We are the lender, not a broker, and we do not lend to sole traders or to individuals.

Northern Ireland companies are UK companies for our purposes

A limited company or LLP incorporated in Northern Ireland is registered at Companies House like any other UK company — NI incorporations carry an "NI" company number (and "NC" for Northern Irish LLPs) rather than the "0" or "OC" prefixes used in England and Wales, or the "SC" and "SO" prefixes used in Scotland. That difference in the number does not change how we assess you. Our checks look at the same public register, your filing history and your company's circumstances, so an NI-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, and about lending to limited companies across the UK.

The Belfast and NI companies we see

Northern Ireland has a genuinely diverse business base. Belfast itself has a fast-growing technology and digital cluster, a strong professional and financial-services scene, and a busy hospitality, tourism and events sector. Beyond the city, advanced manufacturing and engineering remain a real strength, and food and drink — from producers to processors — is one of the region's defining industries. Incorporated businesses across these sectors usually face timing gaps rather than viability problems: an agency waiting on long client payment terms, a manufacturer buying materials ahead of a confirmed contract, or a food producer funding a seasonal stock build.

If your funding need maps to a particular sector, these may help:

• Funding for manufacturing companies — for engineering and production firms buying materials or plant ahead of orders.
• Funding for food and drink producers — for the agri-food and processing businesses that are central to the NI economy.
• Funding for tech startups — for Belfast's software and digital companies that want growth funding without directors signing personally.

How Flex and Slice can help

• Credicorp Flex gives a company a flexible facility to draw against as working-capital needs rise and fall through the year.
• Credicorp Slice supports a defined, one-off cost with a clear, fixed repayment shape.

Which one fits depends on whether your need is recurring or a single planned cost; Credicorp Flex vs Credicorp Slice walks through the difference. The amount, rate and term are always those set out in your own offer, based on your company's circumstances — we never quote a single headline figure, because every business is different. Lending is to the company, so we do not take personal guarantees from directors or members; you can read why in why Credicorp does not take personal guarantees. A Northern Irish LLP is treated the same as a limited company for our purposes — see whether an LLP can apply for Flex or Slice.

What to keep in mind

Some commercial and property concepts differ in Northern Ireland — for example, security over land and property follows NI law rather than the systems used in England, Wales or Scotland. 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, and that position applies UK-wide, Northern Ireland included: because we lend to incorporated businesses for business purposes, the Financial Ombudsman Service and FSCS protection do not apply to these agreements. See what an exempt business lender is and what FOS and FSCS cover for the detail. If anything in your agreement is unclear, contact our support team before you sign.

See also: Business lending in Bradford, Business lending in Bristol, Business lending in Cardiff.

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Bradford has one of the youngest and fastest-changing business populations in Yorkshire, and we fund incorporated companies across the district. Credicorp lends to UK limited companies and LLPs for business purposes only. We are the lender, not a broker, and we do not lend to individuals or sole traders.

Local business strengths

Bradford retains a notable manufacturing and textiles heritage, with strong food and drink production, engineering, wholesale and a vibrant base of independent trade businesses. Many incorporated firms here need funding to buy stock or materials ahead of demand, or to invest in equipment that supports a larger order.

Our two products

• Credicorp Flex offers a flexible facility a company can draw against as cash-flow needs shift.
• Credicorp Slice covers a single, planned cost with a clear repayment structure.

Any rate, fee or term applies exactly as set out in your individual offer. We assess each company on its own merits, and lending is to the company rather than its directors, so no personal guarantees are taken.

Protections

Business lending to incorporated borrowers falls outside the FCA consumer-credit regime, meaning the Financial Ombudsman Service and FSCS protection do not apply. Our team can explain your offer before you commit.

See also: Business lending in Sheffield, Business lending in Leeds and Business lending in Glasgow.

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Bristol is the economic anchor of the South West, and a growing share of the incorporated businesses we support are based across the city and the wider Bristol and Bath corridor. Credicorp lends to UK limited companies and LLPs for genuine business purposes only. We are the lender, not a broker, and we never lend to individuals or sole traders.

The Bristol business landscape

Few cities have a mix as broad as Bristol's. There is a long-established aerospace and advanced-engineering base around Filton and the wider region, a fast-growing tech and digital cluster, and one of the strongest creative economies outside London — film and animation, media, and design studios. Layered on top is a deep professional-services base of law, accountancy and consultancy firms in the centre and at Temple Quay. Incorporated businesses across all of these regularly fund payroll across project cycles, invest in equipment or software, or bridge the lag between delivering work and being paid.

Choosing between Flex and Slice

Two products cover most needs, and the right one depends on the shape of the cost rather than the sector:

• Credicorp Flex gives a company a flexible facility to draw on as cash-flow needs change through the year — useful for a studio or agency with uneven project billing.
• Credicorp Slice covers a specific, planned cost with a defined repayment schedule — for example a single equipment purchase or a fixed supplier invoice.

The rate, amount and term are always those quoted in your own offer, reflecting your company's position. If you are weighing the two, choosing between Credicorp Flex and Credicorp Slice walks through it in more detail. Either way, lending is to the company, so we don't take personal guarantees from directors.

Limited company or LLP?

Both can borrow. The Bristol creative and professional-services scene has a lot of partnerships structured as LLPs alongside the more familiar limited companies, and either is eligible — see the difference between applying as a Ltd and an LLP for how that affects an application. What we cannot fund is a sole trader or an individual, because that would fall under consumer credit.

Worth knowing before you borrow

Because these are business-purpose loans to incorporated borrowers, they sit outside the FCA consumer-credit regime, which is what makes Credicorp an exempt business lender. As a result, neither the Financial Ombudsman Service nor the FSCS applies. If you run a Bristol limited company or LLP and any part of an agreement needs explaining, ask our team first — you can reach us through the General Support Enquiry form or via the contact page.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Cardiff.

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Cardiff is the capital of Wales and the largest city economy in the country, and we fund incorporated businesses across the city and the surrounding South Wales region. Credicorp lends only to UK limited companies and LLPs for genuine business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders. If you are looking for a business loan in Cardiff, the first question is always whether your business is incorporated. Welsh companies register at Companies House on exactly the same basis as English ones, so applying works in the same way wherever in the UK you trade.

The Cardiff business picture

Cardiff's economy leans heavily on services. A large public sector — the Senedd, Welsh Government, the NHS and the universities — anchors the city and supports a wide tier of suppliers, contractors and professional firms that serve those institutions. Around that sit a strong professional-services base in law, accountancy and consultancy, a busy hospitality and visitor economy built on sport, conferences and the waterfront at Cardiff Bay, and a fast-growing creative and media cluster spanning broadcast, film, animation and digital studios. Each of these trades to a different rhythm: a consultancy waiting on staged fees, a hospitality operator bridging the gap between quiet weeks and a packed match or festival weekend, or a production company funding a project up front against a contract that pays on delivery.

Companies across Cardiff typically come to us to invest in growth, take on a larger contract, smooth seasonal or project-driven swings, or steady cash flow between billing cycles.

The sectors we see most in the city

• Professional services — law firms, accountants and consultancies that bill in arrears or on milestones often carry weeks of work before the invoice lands. See our guidance on funding for professional services firms and, for practices specifically, funding for law firms and legal practices.
• Hospitality & the visitor economy — hotels, bars, restaurants and event venues earn unevenly across the calendar and around the city's sporting and conference fixtures. Our note on funding for hospitality businesses covers the cash-flow side of that.
• Creative, media & consultancy — studios and agencies frequently fund a project before the client settles. Our guide to funding for management and IT consultancies speaks to project-led billing that maps closely onto Cardiff's media and digital firms.

Matching a product to your need

• Credicorp Flex gives a company a flexible facility to draw on as working-capital needs rise and fall through the year — useful where income is seasonal or project-driven.
• Credicorp Slice supports a one-off, clearly defined cost over an agreed repayment period — for example a planned equipment, fit-out or software purchase.

If you are weighing the two, our guide to Credicorp Flex and Credicorp Slice explained sets out how each one works in plain terms. The rate, amount and term are always those shown in your specific offer, based on your company's circumstances.

Lending to companies, with no personal guarantee

Because we lend to the company rather than to you as an individual, we do not take personal guarantees from directors. That is a deliberate choice — you can read why Credicorp does not take personal guarantees for the full reasoning. For Cardiff's owner-managed services and creative firms, where the value of the business sits largely in its people and its contracts rather than in hard assets, that position often matters.

Important context for Cardiff borrowers

As business-purpose lending to incorporated borrowers, these agreements fall outside the FCA consumer-credit regime. That makes Credicorp an exempt business lender, and it means the Financial Ombudsman Service and the FSCS do not apply to your facility. This is also why we lend only to limited companies and LLPs, never to sole traders or individuals.

If anything in your offer is unclear, ask before you sign. You can reach our team through Credicorp support, and Cardiff companies are welcome to talk a need through before applying.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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Coventry sits at the heart of the West Midlands manufacturing economy, with a long automotive heritage that has evolved into one of the UK's strongest clusters for advanced engineering, electric-vehicle technology and battery research. The city is home to motorsport and powertrain specialists, a deep tier-one and tier-two automotive supply chain, two universities feeding R&D talent, and a growing base of distribution and logistics operators served by the M6, M40, M69 and M42. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — not to individuals or sole traders, and we are the lender rather than a broker.

The Coventry companies we see

Engineering and manufacturing businesses here tend to carry significant work-in-progress, hold stock and tooling, and sell to larger customers on extended trade-credit terms. That combination is exactly what creates predictable but real cash-flow gaps: you pay for materials, labour and machine time long before a confirmed order is invoiced and settled. Automotive supply-chain firms in particular feel this when an OEM or tier-one customer places a sizeable order with a tight delivery window.

Common, legitimate uses

• Buying raw materials, components or sub-assemblies ahead of a confirmed production run.
• Funding tooling, fixtures or machine time for a new contract.
• Bridging extended payment terms with a larger automotive or industrial customer.
• Covering payroll and overheads while a major invoice is outstanding.
• Adding vehicles or capacity to a distribution operation as volumes grow.

Flex and Slice

Credicorp Flex is a flexible facility your company draws against as working-capital needs rise and fall across a production cycle. Credicorp Slice is a fixed-term loan with a set schedule, suited to a defined, one-off cost. The rate, amount and term are always those in your individual offer, based on your company's circumstances — we never quote a single headline figure. These are short-term tools for timing gaps and defined needs, not long-term capital projects.

Related funding guides

If you want sector-specific detail, our guide on funding for UK manufacturing companies covers the cash-flow patterns behind production and stock, and funding for transport and logistics companies looks at fleet and distribution finance. You may also find funding raw materials to fulfil a large order and funding the costs of delivering a large customer order useful for a specific contract.

What to know before borrowing

Credicorp is an exempt business lender outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply. We take no personal guarantees from directors — lending is to the company. Coventry limited companies should review the offer in full and ask us anything that is unclear before signing.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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Edinburgh is Scotland's capital and one of the strongest city economies in the UK, and we fund incorporated businesses across the city and the wider Lothians. Credicorp lends only to UK limited companies and LLPs for genuine business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders. If you are looking for business funding in Edinburgh, the first question is always whether your business is incorporated.

The Edinburgh business picture

Edinburgh has a deep financial-services base — banking, asset management, insurance and fintech — sitting alongside a fast-growing technology and software cluster, two large universities, and a tourism and hospitality sector that swells around the summer festivals and the winter season. That mix means very different funding patterns: a software firm scaling headcount, a professional-services practice waiting on staged fees, or a hospitality operator bridging the gap between a quiet spring and a packed August.

Companies across Edinburgh typically come to us to invest in growth, take on a larger contract, smooth seasonal swings, or steady cash flow between billing cycles.

Matching a product to your need

• Credicorp Flex gives a company a flexible facility to draw on as working-capital needs rise and fall through the year — useful where income is seasonal or project-driven.
• Credicorp Slice supports a one-off, clearly defined cost over an agreed repayment period — for example a planned equipment, fit-out or software purchase.

If you are weighing the two, our guide to Credicorp Flex and Credicorp Slice explained sets out how each one works in plain terms. The rate, amount and term are always those shown in your specific offer, based on your company's circumstances.

Lending to companies, with no personal guarantee

Because we lend to the company rather than to you as an individual, we do not take personal guarantees from directors. That is a deliberate choice — you can read why Credicorp does not take personal guarantees for the full reasoning. For Edinburgh's tech and start-up community in particular, this can matter; see our note on funding for tech start-ups without personal guarantees.

Important context for Edinburgh borrowers

As business-purpose lending to incorporated borrowers, these agreements fall outside the FCA consumer-credit regime. That makes Credicorp an exempt business lender, and it means the Financial Ombudsman Service and the FSCS do not apply to your facility. This is also why we lend only to limited companies and LLPs, never to sole traders or individuals.

If anything in your offer is unclear, ask before you sign. You can reach our team through Credicorp support, and Edinburgh companies are welcome to talk a need through before applying.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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Glasgow is Scotland's largest business city and the commercial heart of the Central Belt, so a meaningful share of the Scottish companies we fund are based in and around it. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — never to individuals or sole traders, and never for personal spending. We are the lender, not a broker.

The Glasgow companies we see

The city's economy is broad: a deep professional and financial-services base in the city centre, engineering and advanced manufacturing along the Clyde, life sciences and digital firms, plus a large hospitality, events and retail scene. Incorporated businesses across these sectors often face timing gaps rather than viability problems — an agency waiting on long client payment terms, a manufacturer buying materials ahead of a contract, or a hospitality operator funding a refit between busy periods.

Scottish companies and how we lend

A company registered in Scotland with Companies House in Edinburgh applies in exactly the same way as one registered elsewhere in the UK, and a Scottish LLP is treated the same as a limited company for our purposes — see whether an LLP can apply for Flex or Slice. We lend to incorporated borrowers across the whole of the UK, which we explain in lending to limited companies across the UK. If you trade as a sole trader or an ordinary partnership, we are not able to help — there is more detail in can a sole trader or partnership apply.

How Flex and Slice can help

• Credicorp Flex gives a company a flexible facility to draw against as working-capital needs rise and fall through the year.
• Credicorp Slice supports a defined, one-off cost with a clear, fixed repayment shape.

Which fits depends on whether your need is recurring or a single planned cost; Credicorp Flex vs Credicorp Slice walks through the difference. The rate, amount and term are always those set out in your own offer, based on your company's circumstances — we never quote a single headline figure, because every business is different. Lending is to the company, so we do not take personal guarantees from directors; you can read why in why Credicorp does not take personal guarantees.

What to keep in mind

Because we lend only for business purposes to incorporated borrowers, this sits outside the FCA consumer-credit regime. That means the Financial Ombudsman Service and FSCS protection do not apply to your agreement — what FOS and FSCS cover explains what that does and does not mean for a business borrower. If any part of your agreement is unclear, ask our team before you sign.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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Leeds is the largest financial and professional services centre outside London, and a good share of the companies we support are based across West Yorkshire. Credicorp lends to UK limited companies and LLPs for business purposes only. We are the lender, not a broker, and we never lend to individuals or sole traders.

The Leeds business landscape

The city has a deep concentration of legal, accounting, financial and tech firms, alongside healthcare, manufacturing and a strong retail and leisure presence in the centre. Incorporated businesses here frequently fund payroll across project cycles, invest in software or equipment, or cover the lag between delivering work and being paid.

Choosing between our products

• Credicorp Flex gives a company a flexible facility to draw on as cash-flow needs change through the year.
• Credicorp Slice covers a specific, planned cost with a defined repayment shape.

The rate and term are always those quoted in your own offer, reflecting your company's position. Lending is to the company, so we do not take personal guarantees from directors.

Worth knowing

Because these are business-purpose loans to incorporated borrowers, they sit outside the FCA consumer-credit regime, and neither the Financial Ombudsman Service nor FSCS applies. Ask our team if any part of your agreement needs explaining. You can also read more about business loans in Leeds.

See also: Business lending in Bradford, Business lending in Newcastle upon Tyne and Business lending in Sheffield.

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Leicester is one of England's largest cities and a long-standing manufacturing centre in the East Midlands, with a textiles and clothing heritage that still runs through the local economy alongside food and drink production and a fast-growing distribution sector. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders.

The Leicester companies we see

The city has an unusually broad industrial base for its size. Garment and textile manufacturers — from knitwear and hosiery to cut-make-trim workshops supplying UK fashion brands — sit alongside a substantial food and drink manufacturing cluster, engineering and plastics firms, and two universities feeding a growing professional and digital scene. Leicester's position where the M1, M69 and A46 meet also makes it a natural base for warehousing and logistics, with the giant distribution parks around Lutterworth and Magna Park a short way to the south.

Why timing matters here

Each of these sectors carries its own cash-flow rhythm, but the underlying pattern is the same: money goes out well before it comes back in. A clothing manufacturer buys fabric and trims and pays machinists to produce an order weeks ahead of invoicing the retailer. A food producer funds ingredients, packaging and a seasonal labour spike before a supermarket settles on extended terms. A distribution business carries vehicles, fuel and payroll while customers pay 30, 60 or 90 days later. That predictable gap between paying for inputs and being paid for outputs is exactly what a short-term funding facility is built to bridge.

How Flex and Slice apply

• Credicorp Flex is a flexible facility your company draws against as orders and costs move through the year — useful where demand is seasonal or production runs are uneven.
• Credicorp Slice funds a single, defined purchase or project over an agreed fixed term with a set repayment schedule.

The rate, any fees and the term always follow what is set out in your individual offer, based on your company's circumstances — we never quote a single headline figure. We lend to the company, not its directors, so no personal guarantees are required. These are short-term tools for timing gaps and defined needs, not long-term capital projects.

What to know before borrowing

Credicorp is an exempt business lender that sits outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS protection do not apply. Borrowing should be for a genuine business purpose and within what the company can comfortably repay — our note on what affordability means for a business loan explains how we think about that. Our team can talk a Leicester limited company through its offer in full before anything is signed.

Related reading

For the wider regional picture, see business lending in the Midlands. For sector-specific guidance, read our notes on funding for UK manufacturing companies and funding for transport and logistics companies. If you are funding a specific contract, funding raw materials to fulfil a large order may also be useful.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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Liverpool's economy has broadened well beyond its historic maritime base, and we fund incorporated businesses across the city region. Credicorp lends only to UK limited companies and LLPs for business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders.

Local business context

The Liverpool City Region is strong in logistics and the freeport around the Port of Liverpool, life sciences in the Knowledge Quarter, a busy visitor economy, and creative and digital firms. Companies in these sectors often need funding to bridge the gap between winning work and being paid, or to invest ahead of a seasonal peak.

Which product fits

• Credicorp Flex suits a company that wants an on-demand facility to smooth fluctuating working capital.
• Credicorp Slice suits a single, well-defined cost repaid over an agreed period.

Any rate, fee or term applies as written in your individual offer. We assess each company on its own footing, and lending is to the company rather than to its directors, so no personal guarantees are taken.

Protections to be aware of

Lending to businesses for business purposes falls outside the FCA consumer-credit regime. The Financial Ombudsman Service and FSCS do not cover these agreements. Our support team is happy to walk through your offer before you commit.

See also: Business lending in Newcastle upon Tyne, Funding for UK construction companies and Lending to limited companies across the UK.

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London is the densest concentration of registered companies in the UK, and the spread of business types is enormous: professional-services firms in the City, fintech and media businesses in Shoreditch and King's Cross, hospitality and retail across the West End and the boroughs, and logistics operators ringing the M25. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — never to individuals or sole traders, and never for personal spending.

What London companies tend to borrow for

Because rents and wage costs in the capital are high, the cash-flow gaps we see most often are around timing rather than viability. Common, legitimate uses include:

• Bridging the gap between invoicing a client and being paid, especially on long agency or B2B payment terms.
• Funding a deposit on additional premises or fitting out a new site.
• Covering payroll or supplier costs through a seasonal dip.
• Buying stock or equipment ahead of a known busy period.

How our two products work

We offer Credicorp Flex and Credicorp Slice. Flex is a flexible facility you draw against as you need it; Slice is a fixed-term loan repaid on a set schedule. Which suits you depends on whether your need is recurring or one-off. The rate, amount and term are always those shown in your specific offer — we never quote a single headline number, because every company's position is different.

Important things to know first

Credicorp is an exempt business lender, outside the FCA consumer-credit regime. That means the Financial Ombudsman Service and FSCS do not apply to your agreement. We do not take personal guarantees from directors — the loan is to the company itself. If you are a London limited company weighing up short-term finance, read your offer carefully and contact us with any questions before you accept. You can also read more about business loans in London.

See also: Business lending in Northern Ireland, Business lending in the South East of England and Business lending in Scotland.

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Manchester is one of the most active business economies outside London, and many of the companies we fund are based in and around the city. Credicorp lends to UK limited companies and LLPs for genuine business purposes. We do not lend to individuals or sole traders, and we are the lender rather than a broker.

The Manchester companies we see

The city's growth has been led by professional and digital services, media around MediaCityUK, advanced manufacturing on the edges of Greater Manchester, and a large hospitality and events scene. Incorporated businesses in these sectors often face uneven cash flow: a fast-growing agency waiting on client invoices, or a manufacturer buying materials ahead of a contract.

How we can help

• Credicorp Flex gives a company a flexible facility to draw against as working-capital needs rise and fall.
• Credicorp Slice supports a defined, one-off cost with a clear repayment shape.

The rate and term you see are always the ones set out in your specific offer, based on your company's circumstances. We do not take personal guarantees from directors; lending is to the company.

What to keep in mind

Because we lend only for business purposes to incorporated borrowers, this sits outside the FCA consumer-credit regime. That means the Financial Ombudsman Service and FSCS protection do not apply. If anything in your agreement is unclear, ask us before you sign.

See also: Business lending in Glasgow, Business lending in Newcastle upon Tyne and Business lending in Bradford.

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Milton Keynes is one of the fastest-growing business centres in the South East, built around the M1 corridor between London and Birmingham and served by direct rail and the wider golden-triangle logistics network. Its grid layout, large distribution parks and steady supply of commercial space have made it a magnet for national warehousing operations, e-commerce fulfilment, technology firms and professional-services companies. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders.

Local sectors we see

MK's central position makes it a natural base for transport, warehousing and distribution businesses that serve the whole country from a single hub. Alongside that sits a strong cluster of fast-growth technology and digital companies, a large professional and financial-services base, and the retail, hospitality and construction firms that support a city still expanding outwards. Each of these carries its own cash-flow rhythm, and the pace of growth in Milton Keynes often makes that rhythm sharper than in more settled local economies.

Why timing matters here

Distribution and fulfilment businesses carry vehicles, fuel, racking and payroll while invoicing customers on extended terms, so cash leaves the company well before it comes back in. Fast-growing firms face the same squeeze in a different form: winning more orders means buying more stock, hiring ahead of revenue and sometimes taking on a second unit, all of which consume cash precisely when a company looks healthiest on paper. The gap between paying for inputs and being paid for outputs is predictable but real, and that is the gap a funding facility is designed to bridge.

How Flex and Slice apply

• Credicorp Flex is a flexible facility your company draws against as orders and costs move through the year — useful where demand is uneven or where a growing operation needs headroom it can dip into and repay.
• Credicorp Slice funds a single, defined purchase or project over an agreed fixed term with a set schedule — for example fitting out a new distribution unit or buying a specific piece of equipment.

The rate, any fees and the term always follow what is set out in your individual offer — we never quote a single headline figure. We lend to the company, not its directors, so no personal guarantees are required.

What to know before borrowing

Credicorp is an exempt business lender that sits outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS protection do not apply. Borrowing should be for a genuine business purpose and within what the company can comfortably repay. Our team can talk a Milton Keynes limited company through its offer in full before anything is signed.

Related reading

For the wider regional picture, see business lending in the South East of England. For sector-specific guidance, read our notes on funding for transport and logistics companies and funding for wholesale and distribution companies. If your firm is scaling quickly, see why cashflow gets tighter when a company is growing.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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Newcastle is the commercial heart of the North East, and we fund incorporated businesses across Tyneside and beyond. Credicorp lends only to UK limited companies and LLPs for business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders.

The North East business picture

Newcastle has a strong digital and tech cluster, a substantial professional and financial services base, two major universities, and growth in life sciences and offshore energy along the Tyne. Companies here often look for funding to invest in growth, take on new contracts, or steady cash flow between billing cycles.

Matching a product to your need

• Credicorp Flex gives a company a flexible facility to draw on as working-capital needs rise and fall.
• Credicorp Slice supports a one-off, clearly defined cost over an agreed repayment period.

The rate and term are always those shown in your specific offer, based on your company's circumstances. Lending is to the company, so we do not take personal guarantees from directors.

Important context

As business-purpose lending to incorporated borrowers, these agreements fall outside the FCA consumer-credit regime. The Financial Ombudsman Service and FSCS do not apply. If anything is unclear, ask our support team before signing.

See also: Lending to limited companies across the UK, Business lending in Glasgow and Business lending in Leeds.

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Credicorp lends across the whole of the United Kingdom, and Northern Ireland is part of that. We fund NI-registered limited companies and LLPs for genuine business purposes — from Belfast and Derry/Londonderry to Lisburn, Newry, Armagh, Enniskillen and the rural counties in between. We are the lender, not a broker, and we do not lend to sole traders or to individuals.

Northern Ireland companies are UK companies for our purposes

A limited company or LLP incorporated in Northern Ireland is registered at Companies House on exactly the same UK register as a company in England, Wales or Scotland. NI incorporations carry an "NI" company number (and "NC" for Northern Irish LLPs) rather than the "0" or "OC" prefixes used in England and Wales, or the "SC" and "SO" prefixes used in Scotland. That difference in the number is purely a registration marker — it does not change how we assess you. Our checks look at the same public register, your filing history and your company's circumstances, so an NI-registered business is treated on the same basis as one registered anywhere else in the UK. You can read more about why we check Companies House and about lending to limited companies across the UK.

What we look for

• An active limited company or LLP registered at Companies House, including NI "NI" and "NC" registrations.
• A genuine business purpose for the borrowing — working capital, a new contract, equipment, stock 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.

Trading across the UK and the island of Ireland

Many Northern Irish companies trade in more than one direction at once — supplying customers in Great Britain, selling across the border into the Republic, and importing materials from both. That can make the timing of cash flow harder to predict, because invoices, currencies and settlement terms do not always line up. Short-term business finance is built for that kind of gap: covering the period between paying for inputs and being paid for outputs, rather than propping up a loss-making position. For a recurring or hard-to-predict need, Credicorp Flex gives your company a facility to draw against as pressures rise and fall; for a defined, one-off cost, Credicorp Slice gives a fixed term and a clear repayment shape. Our guide to Credicorp Flex vs Credicorp Slice walks through which fits which need.

A note on Northern Irish law and protections

Northern Ireland has its own legal system, separate from both England and Wales and from Scotland. Some commercial and property concepts differ as a result — for example, security over land and property follows NI law rather than the systems used elsewhere in the UK. 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, Northern Ireland included: because we lend to incorporated businesses for business purposes, the Financial Ombudsman Service and FSCS protection 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. Lending is to the company itself, so we do not take personal guarantees from directors or members.

For the city-level picture and the local sector mix — technology, advanced manufacturing, food and drink, and hospitality — see business lending in Belfast and Northern Ireland. If anything in your agreement is unclear, contact our support team before you sign.

See also: Business lending in Bradford, Business lending in Bristol, Business lending in Cardiff.

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Nottingham sits at the heart of the East Midlands, a compact and diverse city economy that runs from a busy retail core through a strong life-sciences and pharmaceuticals base to the distribution and logistics operations clustered along the M1 and around East Midlands Airport. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders.

Local sectors we see

The city's economy is unusually varied for its size. Two large universities anchor a research-led life-sciences and biotech cluster, alongside healthcare, pharmaceuticals and a growing digital scene. Retail is a major employer across the city centre and the surrounding towns, and Nottingham's central position on the motorway and rail network makes it a natural base for warehousing, transport and logistics firms serving the whole of the UK. Each of these sectors carries its own cash-flow rhythm.

Why timing matters here

Retailers often need to buy stock well ahead of a busy trading season and only recover the outlay once goods sell. Logistics and distribution businesses carry vehicles, fuel and payroll while invoicing customers on extended terms. Life-sciences and manufacturing firms may fund equipment or materials long before a contract pays out. In every case the gap between paying for inputs and being paid for outputs is predictable but real, and that is the gap a funding facility is designed to bridge.

How Flex and Slice apply

• Credicorp Flex is a flexible facility your company draws against as orders and costs move through the year — useful where demand is seasonal or uneven.
• Credicorp Slice funds a single, defined purchase or project over an agreed fixed term with a set schedule.

The rate, any fees and the term always follow what is set out in your individual offer — we never quote a single headline figure. We lend to the company, not its directors, so no personal guarantees are required.

What to know before borrowing

Credicorp is an exempt business lender that sits outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS protection do not apply. Borrowing should be for a genuine business purpose and within what the company can comfortably repay. Our team can talk a Nottingham limited company through its offer in full before anything is signed.

Related reading

For the wider regional picture, see business lending in the Midlands. For sector-specific guidance, read our notes on funding for UK retail companies, funding for transport and logistics companies and funding for pharmacies.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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Reading anchors the Thames Valley, one of the densest concentrations of incorporated businesses anywhere in the UK outside London. The town and the wider M4 corridor host a deep technology and software cluster, the British head offices of global IT and telecoms names, a busy professional-services base of law, accountancy and consultancy firms, and a steady flow of fast-growing startups drawn by the fast rail link to Paddington and Crossrail's eastern reach. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — not to individuals or sole traders, and we are the lender rather than a broker.

The Thames Valley companies we see

Reading's business mix skews toward knowledge-intensive firms: software vendors, SaaS and subscription businesses, IT consultancies, and the professional-services practices that support them. These companies are typically light on physical stock but heavy on payroll, and they often sell to large enterprise customers on extended payment terms. That combination creates a familiar timing gap — wages, contractor invoices and cloud-hosting costs fall due monthly, while a signed enterprise contract may not be invoiced and settled for 60 or 90 days. Recruitment-led growth adds to the pressure, since a new hire is a cost long before that person is billable.

Common, legitimate uses

• Bridging the lag between landing an enterprise contract and being paid for it.
• Funding payroll and contractor costs while annual or quarterly subscription revenue builds.
• Covering the cost of a new hire ahead of them becoming billable.
• Smoothing cash flow through a quieter quarter in a project-based consultancy.
• Funding a deposit on new office space or equipment as the team grows.

Flex and Slice

Credicorp Flex is a flexible facility your company draws against as working-capital needs rise and fall — well suited to an agency or SaaS business with uneven billing across the year. Credicorp Slice is a fixed-term loan with a set repayment schedule, suited to a defined, one-off cost. The rate, amount and term are always those set out in your individual offer, based on your company's circumstances — we never quote a single headline figure. If you are weighing the two, choosing between Credicorp Flex and Credicorp Slice walks through it in more detail.

Related funding guides

For sector-specific detail, our guide on funding for SaaS and subscription businesses covers the recurring-revenue cash-flow patterns that many Thames Valley firms share, while funding for tech startups without personal guarantees looks at how earlier-stage companies borrow. If you run a consultancy or practice, funding for professional services firms is the closest fit. Reading also sits within the broader region covered by our business lending in the South East page.

What to know before borrowing

Because these are business-purpose loans to incorporated borrowers, they sit outside the FCA consumer-credit regime, which is what makes Credicorp an exempt business lender. As a result, neither the Financial Ombudsman Service nor the FSCS applies. We take no personal guarantees from directors — the agreement is with your company. If you run a Reading limited company or LLP and any part of an agreement needs explaining, review your offer in full and ask our team first.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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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.

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Sheffield's reputation for engineering and advanced manufacturing makes it a natural place for business investment, and we fund incorporated companies across South Yorkshire. Credicorp lends to UK limited companies and LLPs for business purposes. We are the lender, not a broker, and we do not lend to individuals or sole traders.

Local sectors we see

The city is known for advanced manufacturing and materials, with the Advanced Manufacturing Research Centre anchoring a cluster of engineering firms. Alongside this sit two large universities, a growing digital and creative scene, and healthcare and professional services. Manufacturers in particular often need funding to buy materials or tooling ahead of fulfilling a large order.

How the products work

• Credicorp Flex provides a flexible facility a company can draw against as orders and costs move.
• Credicorp Slice funds a single, defined purchase or project over an agreed term.

The rate, any fees and the term always follow what is set out in your individual offer. We lend to the company, not its directors, so no personal guarantees are required.

Things to remember

Business-purpose lending to incorporated borrowers falls outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS protection do not apply. Our team can talk you through your offer beforehand.

See also: Business lending in Bradford, Business lending in Leeds and Business lending in Glasgow.

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The East of England combines world-class science and technology around Cambridge with agriculture and food production across Norfolk, Suffolk and the Fens, busy ports such as Felixstowe and Harwich, and London-facing commerce in Essex and Hertfordshire. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — never to individuals or sole traders.

A region of contrasts

The "Cambridge cluster" of life-sciences, biotech and deep-tech firms sits alongside one of the country's most important agri-food economies and a major freight gateway at Felixstowe. Each has its own cash-flow rhythm — research-led companies managing grant and contract timing, growers managing harvest cycles, and importers managing port and supplier costs.

Legitimate uses we see

• Funding equipment, plant or vehicles for an agri-food or logistics company.
• Bridging the period between a large contract starting and the first payment.
• Buying seasonal stock or inputs ahead of demand.
• Covering supplier deposits while a customer invoice is outstanding.

Flex or Slice

Credicorp Flex is a drawdown facility for recurring needs; Credicorp Slice is a fixed-term loan for a defined one-off cost. Your rate, amount and term are always those shown in your specific offer, not a published headline number.

Before you proceed

Credicorp is an exempt business lender outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS protections do not apply. We do not take personal guarantees from directors — the agreement is with your company. East of England limited companies should read the offer carefully and ask us anything before accepting.

See also: Business lending in the Midlands, Business lending in the South East of England and Business lending in Leicester.

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The Midlands is the manufacturing and logistics heartland of England, anchored by Birmingham as the UK's second city and stretching across the East Midlands hubs of Nottingham, Leicester and Derby. Automotive supply chains, advanced engineering, distribution and a sizeable professional-services base all cluster here, helped by the region's central position on the motorway and rail network. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — not to individuals or sole traders.

Why timing matters here

Manufacturing and supply-chain businesses often carry significant work-in-progress and stock, and frequently sell on extended trade credit terms. That combination creates predictable but real cash-flow gaps between paying for inputs and being paid for outputs.

Common, legitimate uses

• Buying raw materials or components ahead of a confirmed order.
• Funding tooling, machinery or vehicles for a growing operation.
• Bridging extended trade-credit terms with larger customers.
• Covering payroll or overheads while a major invoice is outstanding.

Flex and Slice

Credicorp Flex is a flexible facility your company draws on as needed; Credicorp Slice is a fixed-term loan with a set schedule. The rate, amount and term are always those in your individual offer — we never quote a single headline figure.

What to know before borrowing

Credicorp is an exempt business lender outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply. We take no personal guarantees from directors — the loan is to the company. Midlands limited companies should review the offer in full and contact us with questions first.

See also: Business lending in Leicester, Business lending in Nottingham and Business lending in the East of England.

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The North West is one of the largest regional economies in the UK, spanning Greater Manchester and the Liverpool City Region alongside Lancashire, Cheshire, Merseyside and Cumbria. It pairs two major city economies with a wide base of manufacturing, logistics, professional services, life sciences, agriculture and a busy visitor economy across the coast and the Lake District. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — not to individuals or sole traders, and we are the lender rather than a broker.

A region of two cities and a broad hinterland

Much of the region's activity clusters around its two largest centres. We cover both in their own right — see business lending in Manchester and business lending in Liverpool for the sectors and context specific to each city. Beyond them, advanced manufacturing and aerospace in Lancashire, the chemical and energy cluster in Cheshire, ports and freeport activity on Merseyside, and tourism and food production across Cumbria all add to a varied funding picture.

Why timing matters here

The mix of industries in the North West produces several distinct cash-flow patterns rather than one. Manufacturers and supply-chain firms carry stock and work-in-progress and often sell on extended trade-credit terms. Logistics and distribution businesses fund fuel, fleet and staffing ahead of being paid. Visitor-economy companies in Cumbria and along the coast earn unevenly across the year. Each of these creates a legitimate, predictable gap between paying for inputs and receiving income — exactly what short-term business finance is built to bridge.

Common, legitimate uses

• Buying raw materials, stock or components ahead of a confirmed order.
• Funding tooling, machinery, fit-out or vehicles for a growing operation.
• Bridging extended trade-credit terms with larger customers or distributors.
• Covering payroll or overheads while a major invoice is outstanding.
• Investing ahead of a seasonal peak in tourism or food and drink.

Choosing between Flex and Slice

For a recurring or unpredictable need, Credicorp Flex gives your company a flexible facility to draw on as working-capital needs rise and fall. For a defined, one-off cost, Credicorp Slice provides a fixed term and a clear repayment schedule. The rate, amount and term are always those set out in your own offer, based on your company's circumstances — we never quote a single headline figure.

What to know before you borrow

Credicorp is an exempt business lender that sits outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply. Lending is to the company, and we take no personal guarantees from directors. If you run a North West limited company, review your offer in full and contact our team with any questions before you sign.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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The South East is one of the most economically active regions outside London, with a business base that ranges from technology and aerospace clusters around Reading, Farnborough and the M3/M4 corridor, to ports, logistics and agriculture along the Kent and Sussex coasts, to professional services in commuter towns across Surrey and Berkshire. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — we do not lend to individuals or sole traders.

The regional picture

Proximity to London, major ports such as Dover and Southampton, and Gatwick and Heathrow airports give South East companies strong trading links — but also exposure to seasonal and cross-border timing pressures. Many of the businesses we support here are managing the gap between large contracts landing and being paid.

Typical, legitimate uses

• Stocking up ahead of a tourist or trade season along the coast.
• Funding equipment or vehicles for a growing logistics or trades company.
• Covering supplier deposits while waiting on a customer payment.
• Smoothing payroll through a quieter quarter.

Flex and Slice

Our two products are Credicorp Flex, a facility you draw on flexibly, and Credicorp Slice, a fixed-term loan with a set repayment schedule. The rate, amount and term are always those set out in your individual offer — never a headline figure.

What to bear in mind

Credicorp is an exempt business lender outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS protections do not apply. We do not take personal guarantees from directors; the agreement is with your company. If your South East limited company is considering short-term finance, review your offer in full and get in touch before accepting.

See also: Business lending in London: how we support limited companies in the capital, Business lending in Newcastle upon Tyne and Business lending in Northern Ireland.

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The South West has a distinctive business mix: a fast-growing tech, aerospace and creative cluster in and around Bristol and Bath; tourism, hospitality and food-and-drink producers across Devon, Cornwall, Somerset and Dorset; and a strong agricultural and marine economy along the coast and countryside. Credicorp lends to UK limited companies and LLPs only, for genuine business purposes — not to individuals or sole traders.

Seasonality is the defining feature

More than most regions, South West trading is shaped by the seasons. Hospitality and visitor-economy companies often earn the bulk of their income in a few summer months, then need to cover fixed costs through a long off-season. That timing mismatch is exactly the kind of legitimate cash-flow gap short-term business finance is built for.

Common, legitimate uses

• Refitting or restocking a site before the visitor season begins.
• Retaining or recruiting staff through the quieter winter months.
• Buying equipment for a food, drink or marine business ahead of demand.
• Bridging the wait on a wholesale or export payment.

Choosing between Flex and Slice

For a recurring or unpredictable need, Credicorp Flex lets your company draw funds as required. For a defined one-off cost, Credicorp Slice gives a fixed term and schedule. The rate, amount and term are always those in your own offer.

Key points before you borrow

Credicorp is an exempt business lender outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply. We take no personal guarantees from directors — the loan is to the company. If you run a South West limited company, plan your borrowing around your season and contact us with any questions first.

See also: Business lending in Bristol, Business lending in Milton Keynes and Business lending in the East of England.

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Credicorp lends across the whole of the United Kingdom, and that includes companies registered and trading in Wales — from Cardiff, Newport and Swansea down to the valleys, and across rural Mid and North Wales. We lend to UK limited companies and LLPs only, for genuine business purposes. We do not lend to individuals or sole traders, and we are the lender rather than a broker. Welsh companies are registered at Companies House on the same basis as English ones, so applying works in exactly the same way.

The Welsh companies we see

Wales has a broad and resilient business base, and the incorporated firms we fund span several of its mainstays:

• Manufacturing & advanced engineering — Wales has a strong industrial heritage, from steel and automotive supply chains to aerospace and electronics clusters. Manufacturers often carry raw materials and work in progress long before they invoice, which creates a working-capital gap. See Funding for UK manufacturing companies.
• Agriculture & food production — farming, dairy, and food-and-drink producers face long lead times and seasonal income. Our guidance on funding for food and drink producers covers the cash-flow realities of stockholding and seasonal demand.
• Tourism & hospitality — Wales' coastline, national parks and visitor economy support a large hospitality sector that earns much of its income in a short season. See funding for hospitality businesses.

Seasonality and cash flow

Like other nations with a big visitor economy and an agricultural base, Welsh trading is often shaped by the calendar. A company may earn the bulk of its revenue in summer or at harvest, then need to cover fixed costs through quieter months. Short-term business finance is built for exactly that kind of timing mismatch — covering a genuine gap, not propping up a loss-making position.

Choosing between Flex and Slice

For a recurring or hard-to-predict need, Credicorp Flex gives your company a facility to draw against as working-capital pressures rise and fall — which can suit a seasonal business well. For a defined, one-off cost — a piece of plant, a specific invoice, a contract you need to fund up front — Credicorp Slice gives a fixed term and a clear repayment schedule. The rate, amount and term are always the ones set out in your own offer, based on your company's circumstances.

What to keep in mind before you borrow

Because we lend only to incorporated borrowers for business purposes, this sits outside the FCA consumer-credit regime. That means the Financial Ombudsman Service and FSCS protection do not apply — our guide to the exempt business lending market explains what that changes and what protections remain. We take no personal guarantees from directors; lending is to the company itself. If you run a Welsh limited company or LLP and anything in your agreement is unclear, ask us before you sign.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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Birmingham has one of the most diverse city economies in the UK. Alongside its long manufacturing and automotive heritage it now hosts large professional-services, financial and digital sectors, a growing student and creative population, and major regeneration around the city centre and HS2 corridor. Credicorp lends to Birmingham limited companies and LLPs only, for genuine business purposes — never to individuals or sole traders.

Sectors we commonly support

Birmingham's blend of engineering supply chains, construction, hospitality and business services means cash-flow needs vary widely. A firm winning a larger contract often needs working capital before the contract pays; a hospitality operator may need to fund a refurbishment between busy periods.

Legitimate uses

• Working capital to fulfil a new order or contract.
• Equipment, fit-out or vehicle purchases for an expanding company.
• Bridging a gap between invoicing and payment.
• Covering seasonal or project-driven dips in income.

Flex or Slice

Credicorp Flex gives a flexible drawdown facility; Credicorp Slice is a fixed-term loan. The rate, amount and term are always those set out in your own offer.

The protections position

Credicorp is an exempt business lender outside the FCA consumer-credit regime — the Financial Ombudsman Service and FSCS do not apply. We do not take personal guarantees from directors; the agreement is with the company. Read your offer carefully and contact us with any questions before you accept.

See also: Financing an Aberdeen limited company, Business lending in Coventry and Can a company limited by guarantee apply?.

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Aberdeen has long been the centre of the UK's offshore energy industry, and its business base reflects that. Alongside oil and gas operators and the engineering supply chains that serve them, the city now hosts a growing offshore-wind and energy-transition sector, a busy harbour and marine economy, food processing and fishing, and the professional and technical services that sit around all of it. Credicorp lends to Aberdeen limited companies and LLPs only, for genuine business purposes — never to individuals or sole traders. We are the lender, not a broker.

The Aberdeen business picture

The North-East economy is heavily project-driven. An engineering or fabrication firm may win a larger contract and need working capital before that contract pays; a marine or harbour-services operator may need to fund equipment ahead of a busy season; an energy-supply-chain business may be carrying staged costs while it waits on staged fees. Aberdeen's diversification into offshore wind, hydrogen and decommissioning has widened the range of companies coming to us, but the underlying cash-flow question is usually the same — bridging the gap between doing the work and being paid for it.

Legitimate uses

• Working capital to fulfil a new order or contract in the energy or marine supply chain.
• Equipment, fit-out or vehicle purchases for a growing company.
• Bridging a gap between invoicing and payment on staged or project-based work.
• Covering seasonal or project-driven dips in income.

Flex or Slice

Credicorp Flex gives a company a flexible facility to draw on as working-capital needs rise and fall — useful where income is project-driven or seasonal. Credicorp Slice supports a one-off, clearly defined cost over an agreed repayment period, such as a planned equipment or fit-out purchase. If you are weighing the two, our guide to Credicorp Flex and Credicorp Slice explained sets out how each one works in plain terms. The rate, amount and term are always those set out in your own offer, based on your company's circumstances — there is no single advertised figure.

Scottish incorporation

An Aberdeen company or LLP is registered at Companies House like any other, carrying an "SC" company number (or "SO" for a Scottish LLP). That difference does not change how we assess you — we look at the same public register and your company's circumstances on exactly the same basis as a business registered elsewhere in the UK. For the wider regional picture, see business lending in Scotland, and for the nearest comparable city economy, business lending in Glasgow.

The protections position

Credicorp is an exempt business lender operating outside the FCA consumer-credit regime. Because we lend to incorporated businesses for business purposes, the Financial Ombudsman Service and FSCS do not apply to these agreements. We do not take personal guarantees from directors — the agreement is with the company itself, and you can read why Credicorp does not take personal guarantees for the full reasoning. Read your offer carefully and contact us with any questions before you accept.

See also: Business lending in Belfast and Northern Ireland, Business lending in Bradford, Business lending in Bristol.

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