Video tutorials

What the video covers

1. What Open Banking is (0:00–0:30) — read-only, consent-based access to your transaction data via FCA-regulated providers; no passwords shared, access can be revoked at any time.
2. Selecting your bank (0:30–0:55) — finding your bank in the list and what to do if it is not listed.
3. The consent redirect (0:55–1:35) — being redirected to your bank's secure login, the permissions screen you will see, and how to authorise read-only access.
4. Return and confirmation (1:35–2:00) — being redirected back to the Credicorp application with your bank data confirmed.
5. Revoking access after the application (2:00–2:20) — how to remove the Open Banking connection from your bank's own settings once your application is complete, if you choose to.

See also: How Open Banking works in your application, Open Banking connection failed or timed out, Video guide: updating your business bank account details.

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What the video covers

1. Loan documents (0:00–0:40) — how to navigate to Loan documents in the portal and download your Key Information Sheet and Business Loan Agreement as PDFs.
2. Monthly statements (0:40–1:15) — where statements appear once a period has closed, and how to download them for accountancy purposes.
3. Settlement confirmation (1:15–1:55) — where to find your settlement confirmation letter after early repayment or full loan closure, and what it contains.

See also: How to download your loan documents, My statement is not available to download, Video guide: updating your business bank account details.

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What the video covers

1. What Flex is (0:00–0:50) — a revolving credit facility with an agreed limit: draw what you need, repay it, and draw again — unlike a term loan, the limit does not reduce with each use.
2. How interest accrues (0:50–1:40) — 0.25% per day on the outstanding balance. Interest only accrues on what you have drawn; if the balance is zero, no interest is charged.
3. Making a drawdown (1:40–2:20) — requesting a draw from the portal, the amount limits within your facility, and how quickly funds arrive.
4. Repaying your balance (2:20–3:05) — how repayments reduce the balance, stop interest on the repaid amount, and restore available credit.
5. Requesting a higher limit (3:05–3:45) — when and how to request a top-up on your Flex limit, and what factors the decision is based on.
6. Statements and tracking (3:45–4:10) — how to read your monthly Flex statement and track accrued interest.

See also: What is Credicorp Flex and how does it accrue?, Flex vs term loan — which suits your company?, Video guide: how to raise a complaint with Credicorp.

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This walkthrough covers the full application from start to finish. The written steps below mirror the video — useful if you want to refer back to a specific point.

What the video covers

1. Checking eligibility (0:00–0:45) — the video starts with the eligibility checklist: UK limited company or LLP, six months+ trading, UK business bank account, and a genuine business purpose for the loan.
2. Creating your account (0:45–1:20) — how to register with your company email address and set up two-factor authentication for security.
3. Entering company details (1:20–2:10) — using your Companies House number to pre-fill your company name and registered address, and confirming the details are correct.
4. Completing the identity check (2:10–2:45) — what the AML check involves, why it is not a consumer credit search, and what to do if it pauses for a document upload.
5. Connecting your bank (2:45–3:30) — both routes: Open Banking consent flow and manual statement upload.
6. Reviewing and signing (3:30–4:10) — reading your Key Information Sheet, the loan agreement, and the Business Purpose Declaration before signing.
7. Submitting and getting a decision (4:10–4:30) — what happens after submission and when to expect a response.

Before you start

Have the following ready to reduce the time the application takes:

• Your company's Companies House number
• Photo ID (passport or driving licence) for the director applying
• Last six months of business bank statements as PDFs, or your business bank's Open Banking login credentials
• The sort code and account number for the account you want funds paid into

If you run into any issues during the application, see our troubleshooting guides or contact our support team via the General Support Enquiry form.

See also: How to get a business loan: step-by-step guide, Open Banking connection failed or timed out, Document upload not working.

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What the video covers

1. What counts as a complaint (0:00–0:35) — any expression of dissatisfaction about a product, service, or decision. You do not need to use specific words — if you are unhappy, we treat it as a complaint.
2. How to submit (0:35–1:20) — using the Online complaints form, sending an email to complaints@credicorp.co.uk, or calling our complaints line.
3. The timeline (1:20–2:00) — our acknowledgement within 5 business days, and our target for a full resolution letter within 15 business days (up to 35 for complex cases).
4. If you are not satisfied (2:00–2:35) — the Financial Ombudsman Service (FOS): who they are, when you can refer, and how to do it for free.
5. Keeping records (2:35–3:00) — what to keep and why it helps your case.

See also: How do I make a complaint?, Step-by-step: raising a complaint, Escalating an unresolved complaint.

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What the video covers

1. Getting your settlement figure (0:00–0:50) — how to request a settlement figure from the portal, what the early-repayment charge is (up to 28 days' interest), and how it is calculated.
2. Reviewing the figure (0:50–1:25) — the settlement figure breakdown: remaining principal, accrued daily interest to the settlement date, and any early-repayment charge.
3. Making the payment (1:25–2:20) — two methods: direct bank transfer to the reference shown, or through the portal's payment screen.
4. Confirmation (2:20–2:50) — how to confirm the payment has been received, the loan closed, and where to download your settlement confirmation letter.

See also: How to repay your Credicorp loan early, How early repayment works at Credicorp, Video guide: how Credicorp Flex works.

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What the video covers

1. When to request an arrangement (0:00–0:45) — the difference between a short-term difficulty and a longer-term hardship, and why contacting us early always produces better outcomes.
2. The online request form (0:45–1:40) — how to find and complete the Payment difficulty form in the portal, what information to include (why repayment is difficult, how long for, and what you can afford).
3. What happens after you submit (1:40–2:30) — what our team reviews, the typical response time, and the types of arrangement we may offer (date change, reduced amount, brief pause).
4. Breathing space (2:30–3:10) — the statutory Breathing Space scheme, which gives you 60 days free from interest and enforcement, and how to apply for it via a debt adviser.
5. Free independent support (3:10–3:40) — Business Debtline, ICAEW, and other free advisory services.

See also: How to request a payment arrangement, I am struggling to pay — what should I do?, Video guide: how Credicorp Flex works.

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What the video covers

1. Finding the direct debit section (0:00–0:25) — sign in to the portal, open your loan summary, and locate the Payments section.
2. Entering your bank details (0:25–1:00) — entering the sort code and account number for your UK business bank account, and confirming the account name matches.
3. Authorising the mandate (1:00–1:35) — the Direct Debit Guarantee and what it means, and how to confirm the mandate electronically.
4. Confirmation and first collection (1:35–2:05) — where to find confirmation that the mandate is active and when the first collection will occur.

Key points to remember

• The direct debit must be from a UK business bank account in your company's name.
• Allow at least 3 banking days between setting up the mandate and the first scheduled collection.
• If you change your business bank account, you must set up a new mandate before the next payment date.
• The Direct Debit Guarantee means any erroneous collection is refunded immediately by your bank.

See also: How to set up a direct debit, My direct debit has not been collected, Video guide: updating your business bank account details.

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What the video covers

1. Signing in (0:00–0:40) — entering your email and password, using a passkey, and setting up two-factor authentication for future logins.
2. Account overview (0:40–1:15) — the dashboard: your current balance, next payment date and amount, and any notifications requiring attention.
3. Your loan summary (1:15–1:55) — viewing your full repayment schedule, total outstanding, and transaction history.
4. Making a payment (1:55–2:30) — how to initiate a manual payment or early repayment from within the portal.
5. Downloading statements and documents (2:30–3:00) — where to find your loan agreement, Key Information Sheet, and monthly statements.
6. Updating your settings (3:00–3:15) — changing your contact details, notification preferences, and enrolling a passkey.

Useful links from the video

• Sign in to the portal at clients.credicorp.co.uk
• Forgotten your password? Use the Forgot password link on the sign-in page
• Portal not loading? See The customer portal is not loading

See also: How to sign in to your account, I cannot sign in to my account, How to download your loan documents.

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What the video covers

1. When to update your bank details (0:00–0:25) — if your company has changed banks or opened a new business account, you need to update before the next payment date.
2. Submitting the bank change request (0:25–1:05) — navigating to Account settings → Payment details in the portal and entering the new sort code and account number.
3. Verification step (1:05–1:40) — why a small verification payment may be made and confirmed, and what to look for.
4. Setting up the new direct debit mandate (1:40–2:20) — once the new account is verified, how to set up the fresh mandate so collections continue uninterrupted.
5. Timing reminder (2:20–2:35) — allow at least 3 banking days before the next scheduled collection to avoid a missed payment.

See also: How to update your business bank account details, My direct debit has not been collected, Video guide: connecting your bank via Open Banking.

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