Affordability means asking a simple question: can this business comfortably manage the repayments without strain? We answer it by reading the company's cash flow — what comes in, what goes out, how steady it is, and how much genuine headroom is left for a new repayment.
What we read
- Income — the regular money coming into the business account.
- Outgoings — existing commitments and running costs.
- Steadiness — how predictable the pattern is month to month.
- Headroom — what is left over to service a new loan comfortably.
This is why the amount you are offered is led by affordability, not by the top of our range. Strong, steady headroom points higher; a tighter picture points to a smaller amount or shorter term. See how much your business can borrow, and for how long.
Why it protects you
Lending only what a business can manage is what responsible lending means — it keeps a loan a help rather than a burden. The full decision picture is in how we decide whether to lend, and the levers that improve it are in what strengthens an application. Model your own headroom with the affordability tool at Credicorp Tools.
Apply and see what fits your cash flow.
We lend only to UK limited companies and LLPs, the loan is to the company with no director personal guarantee, and this is business finance outside the consumer-credit regime — as an exempt lender under Article 60B of the Regulated Activities Order we sit outside FCA consumer-credit regulation, so the Financial Ombudsman Service and FSCS do not apply.
See also: How much your business can borrow, and for how long?, How we decide whether to lend?, What strengthens an application?.