Our lending decision is largely automated, and the outcome is authoritative rather than a draft someone later rubber-stamps. But there is one step we deliberately keep in human hands: actually releasing the funds. No money leaves Credicorp until a person has confirmed the payment.
Why we keep this step manual
An automated assessment is the right tool for deciding consistently and quickly. Moving money is different — it is irreversible and it is exactly where fraud and error do the most damage. A human confirmation at the payout stage is a simple, strong safeguard: it is a final check that the right amount is going to the right verified account for the right, accepted offer.
Just as a decline is never the end of the conversation — you can always ask for a human review — an approval is not money in your account until the payout is confirmed. Both ends of the process have a person able to step in.
What it means for timing
In practice this rarely slows you down. Once you accept your offer, funds typically reach your business bank account the same day. The human confirmation is built into that flow; it is a safeguard, not a queue you wait in. For how funding speed works, see the answer on how fast funding arrives in our applying section.
This is part of how we lend responsibly: automate the assessment for consistency, keep the irreversible step under human control. For the wider picture, see is my loan decision made by a computer? Because this is lending to a company for business purposes, it sits outside FCA consumer-credit regulation under Article 60B FSMA RAO 2001 and is not covered by the Financial Ombudsman Service or the FSCS.
See also: Can I find out why I was declined?, Can I reapply after a decline?, Does a CCJ against my company affect eligibility?.