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Read guide →Short-term lending for professional service firms
Accountants, solicitors, consultants and agencies often front large project costs before client invoices are settled. Credicorp bridges that gap for UK incorporated professional service businesses.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Software licences, tools or training costs to pay before client fees land
- A large project requiring upfront expenditure with 60-day payment terms
- Hiring a contractor to cover a skills gap while your team is at capacity
- Slow-paying clients leaving you short for your own supplier obligations
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Business Loan Recommended for this sector
Professional service cash-flow gaps are typically tied to a specific invoice cycle — a known sum needed for a defined period. A fixed-term loan gives you certainty on cost.
- £50–£500 in one advance
- Fixed 14–84 -day term
- 0.25% per day simple interest + £5 establishment fee
- Total cost capped at 100% of principal
- No personal guarantee
- Most decisions same working day
Credicorp Slice — split a single bill
If the need is a specific software licence, tools subscription or contractor invoice, Credicorp Slice spreads one bill at a flat 6% fee over 3 or 4 weekly instalments.
- 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 professional services business might borrow £350.00 over 42 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
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Read guide →Common questions
- Can an accountancy, legal or consultancy firm apply?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in professional services — accountants, solicitors, consultants, agencies and similar firms. The sector and client base 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.