Business insurance: what a UK micro-business actually needs
Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Darllen y canllaw →Short-term lending for agriculture and farming businesses
Farms and agri-businesses front the cost of seed, feed, fuel and seasonal labour long before harvest receipts or subsidy payments land. Credicorp lends to UK incorporated farming and agricultural businesses to carry that seasonal gap — no personal guarantee, decisions same working day.
Cwmni Cyf neu LLP yn y DU yn unig · Dim gwarant personol · Penderfyniadau ar y rhan fwyaf o ddyddiau gwaith
Yn adnabod unrhyw un o'r rhain?
- Seed, feed or fertiliser to buy upfront before the crop or livestock is sold
- A tractor or essential machine breaking down mid-season
- Seasonal labour to pay before harvest income clears
- A subsidy or contract payment arriving months after the costs are incurred
If so, a Credicorp short-term business loan could help you bridge that gap.
Pa gynnyrch sy'n addas?
Credicorp Business Loan Argymhellir ar gyfer y sector hwn
Agricultural cash flow runs on one long cycle — money goes out at planting or stocking and only returns at harvest, slaughter or settlement. A fixed-term business loan sized to that cycle gives one known total cost from outlay to receipt.
- £50–£500 mewn un blaensymiad
- Sefydlog 14–84 -diwrnod o dymor
- 0.25% y dydd o log syml + £5 ffi sefydlu
- Cyfanswm cost wedi'i gapio ar 100% o'r prifswm
- Dim gwarant bersonol
- Y rhan fwyaf o benderfyniadau yr un diwrnod gwaith
Credicorp Slice — split a single bill
When the need is one specific input bill — a feed delivery, a fuel invoice or a fertiliser order — Credicorp Slice spreads that single bill over 3 or 4 weekly instalments at a flat 6% fee with no compounding.
- Biliau o £50–£2,000
- Ffi wastad 6% o ffi — dim cyfansoddi
- 3 neu 4 rhandaliad wythnosol drwy Ddebyd Uniongyrchol
- Setlo'n gynnar a byddwn yn ad-dalu'r ffi heb ei defnyddio pro rata
Find your fit
Pick the borrowing that fits your business
Tell us what you need and roughly how much. We’ll point you to the right product — it’s a guide to help you choose, not a lending decision or a quote.
Gweld y gost ar gyfer eich sector
Efallai y byddai busnes agriculture nodweddiadol yn benthyca £450.00 dros 84 o ddyddiau. Addaswch y llithryddion i gyd-fynd â'ch senario eich hun.
A yw hyn yn cyd-fynd â'ch anghenion? Dechrau eich cais
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. There is no personal guarantee; lending is to the company.
Pwy all wneud cais?
- Cwmni cyfyngedig neu LLP yn y DU (benthyca corff-corfforaethol yn unig — nid unig fasnachwyr)
- 6+ mis o fasnachu
- Cyfrif banc busnes cyfredol yn y DU
- Gwiriad hunaniaeth cyfarwyddwr (chi, nid y cwmni, fel cynrychiolydd awdurdodedig y cwmni)
- Dim gwarant personol yn ofynnol — mae'r rhwymedigaeth yn perthyn i'r cwmni
Canllawiau ar gyfer eich busnes
Investments for a UK director — the basics, honestly
A first-principles guide to investing surplus money — for directors who want a sensible plan rather than a stock-tip spreadsheet.
Darllen y canllaw →UK startup funding guide for founders — no jargon
A startup funding guide for UK founders: grants, loans, equity, bootstrapping — the funding ladder for a micro-business, with honest pros and cons for each step.
Darllen y canllaw →Cwestiynau cyffredin
- Can a farming or agricultural company apply for a Credicorp business loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs operating in agriculture — arable, livestock, horticulture and agri-supply businesses. Farm size and tenure type are not pricing factors.
- Do companies in this sector need to provide a personal guarantee?
- No. All Credicorp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
- How quickly can a company in this sector get a lending decision from Credicorp?
- Applications are reviewed as they arrive during business hours. Credicorp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.
Credicorp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001). This is not consumer lending. The Financial Ombudsman Service and Financial Services Compensation Scheme do not apply. Full details: regulatory status and responsible lending policy.