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Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Read guide →Short-term lending for online retailers
E-commerce businesses need working capital to buy inventory weeks before it sells. Credicorp gives UK incorporated online retailers a fast, simple lending decision.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Buying ahead of Black Friday, Prime Day or seasonal peaks
- Supplier MOQs that require a larger outlay than your current balance
- Fulfilling a sudden spike in orders before revenue clears
- Platform payout delays leaving a working-capital gap
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Flex Recommended for this sector
E-commerce inventory cycles are regular and repeating. Credicorp Flex — a revolving credit limit — lets you draw, repay, and redraw as each buying cycle comes around, without reapplying.
- Revolving limit of £50–£500
- Draw, repay, redraw — without reapplying
- Same-day limit approval; instant draws thereafter
- Total cost capped at 100% of what you draw
- No personal guarantee
Credicorp Loan — one-off advance
A single, fixed-term loan of £50–£500 over 14–84 days, if your need is a one-off rather than recurring.
About our business loanCredicorp Slice — split a single bill
For a specific large supplier invoice — a big stock order from one supplier — Credicorp Slice spreads that one bill at a flat fee with no interest compounding.
- Bills of £50–£2,000
- Flat 6% fee — no compounding
- 3 or 4 weekly instalments by Direct Debit
- Settle early and we refund the unused fee 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.
See the cost for your sector
A typical e commerce business might borrow £400.00 over 35 days. Adjust the sliders to match your own scenario.
This matches your needs? Start your application
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.
Who can apply?
- UK limited company or LLP (body-corporate lending only — not sole traders)
- 6+ months trading
- Current UK business bank account
- Director identity check (you, not the company, as the company's authorised representative)
- No personal guarantee required — the obligation is the company's
Guides for your business
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.
Read guide →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.
Read guide →Common questions
- Can an e-commerce or online retail company apply for a Credicorp loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs selling online — whether on Amazon, Etsy, Shopify or your own site. The platform and revenue mix 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.