If your company sells through online marketplaces, you'll know the frustration: the customer has paid, but the money is held by the platform on its own settlement schedule. Meanwhile you've already bought the stock, paid to ship it, and may owe the platform fees. Credicorp lends to UK limited companies and LLPs to bridge exactly this kind of timing gap.
Why payouts lag
Marketplaces hold funds to cover returns, disputes, and risk. New or fast-growing sellers often face longer reserves. The result is a business that is profitable on paper but short of cash to buy the next batch of stock.
How funding closes the gap
- Reorder stock without waiting for the last batch to settle
- Keep cash free for fees, shipping, and returns
- Smooth out reserve holds across multiple platforms
- Repay as payouts land in your account
What we look at
We consider your settled sales history and the platforms you trade on. The rate and term are set out in your offer and reflect your company's own profile — we don't quote figures up front.
The basics
The agreement is with your company, not you personally, and 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.
See also: How can a retailer fund seasonal stock?, Funding import orders, duties, and shipping and Funding raw materials to fulfil a large order.