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 →Benthyca tymor byr i fanwerthwyr ar-lein
E-commerce businesses need working capital to buy inventory weeks before it sells. Credicorp gives UK incorporated online retailers a fast, simple lending decision.
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?
- Prynu cyn Black Friday, Prime Day neu frigau tymhorol
- MOQs cyflenwyr sy'n gofyn am wariant mwy na'ch balans presennol
- Cyflawni cynnydd sydyn mewn archebion cyn i refeniw glirio
- Oedi taliadau llwyfan yn gadael bwlch cyfalaf gweithio
If so, a Credicorp short-term business loan could help you bridge that gap.
Pa gynnyrch sy'n addas?
Credicorp Flex Argymhellir ar gyfer y sector hwn
Mae cylchoedd rhestr eiddo e-fasnach yn rheolaidd ac yn ailadrodd. Mae Credicorp Flex — terfyn credyd treigl — yn caniatáu i chi dynnu, ad-dalu, ac ailtynnu wrth i bob cylch prynu ddod o gwmpas, heb ailymgeisio.
- Terfyn cylchdroi o £50–£500
- Tynnu, ad-dalu, ail-dynnu — heb ailymgeisio
- Cymeradwyo terfyn yr un diwrnod; tynnu ar unwaith wedi hynny
- Cyfanswm cost wedi'i gapio ar 100% o'r hyn rydych yn ei dynnu
- Dim gwarant bersonol
Credicorp Loan — one-off advance
Benthyciad sengl, tymor sefydlog o £50–£500 dros 14–84 o ddyddiau, os yw eich angen yn un-tro yn hytrach na pharhaus.
Am ein benthyciad busnesCredicorp Slice — split a single bill
Ar gyfer anfoneb cyflenwr mawr penodol — archeb stoc fawr gan un cyflenwr — mae Credicorp Slice yn lledaenu'r un bil hwnnw ar ffi wastad heb gyfansoddi llog.
- 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 e commerce nodweddiadol yn benthyca £400.00 dros 35 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 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.