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.
Read the guide →Short-term lendin 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 ae · Nae personal guarantee · Decisions maist warkin days
Recognise ony o thir?
- Buyin aheid o Black Friday, Prime Day or seasonal peaks
- Supplier MOQs that need a bigger ootlay than yer current balance
- Fulfillin a sudden spike in orders afore revenue clears
- Platform peyoot delays leavin a warkin-capital gap
If so, a Credicorp short-term business loan could help you bridge that gap.
Whilk product fits?
Credicorp Flex Recommendit for this sector
E-commerce inventory cycles are regular an repeatin. Credicorp Flex — a revolvin credit limit — lets ye draw, pey back, an redraw as ilka buyin cycle comes aroon, wioot reapplyin.
- Revolvin leemit o £50–£500
- Draw, repey, redraw — wioot reapplyin
- Same-day leemit approval; instant draws efterhin
- Total cost cappit at 100% o whit ye draw
- Nae personal guarantee
Credicorp Loan — one-off advance
A single, fixed-term loan o £50–£500 ower 14–84 days, gif yer need is a ane-aff raither nor recurrin.
Aboot oor business loanCredicorp Slice — split a single bill
For a specific muckle supplier invoice — a big stock order frae ae supplier — Credicorp Slice spreads that ae bill at a flat fee wi nae interest compoondin.
- Bills o £50–£2,000
- Flat 6% fee — nae compoondin
- 3 or 4 weekly instalments bi Direct Debit
- Settle early an we refund the unuised 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 yer sector
A teepical e commerce business micht borrae £400.00 ower 35 days. Adjust the sliders tae match yer ain scenario.
This matches yer needs? Stairt yer 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.
Wha can pit in?
- UK leemitit company or LLP (body-corporate lendin anely — no sole traders)
- 6+ months tradin
- Current UK business bank accoont
- Director identity check (you, no the company, as the company's authorised representative)
- Nae personal guarantee requirt — the obligation is the company's
Guides for yer 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 the 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 the guide →Common speirins
- 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.