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.
Leugh an stiùireadh →Iasad sruth-airgid do ghnìomhachasan ciùird
Bidh plumairean, dealanairean, luchd-togail agus ciùirdean eile a' cur a-mach fàirdeal às dèidh na h-obrach — ach feumar stuthan a phàigheadh mus tòisich thu. Bidh sinn a' drochaideadh na beàrn sin do ghnìomhachasan ciùird corporra na RA.
Cuid. no LLP san RA a-mhàin · Gun bharantas pearsanta · Co-dhùnaidhean a' mhòr-chuid de làithean obrach
An aithnich thu gin dhiubh seo?
- Materials to buy upfront when a customer invoice is 30 days away
- Briseadh-sìos bhana a chuireas stad ort bho bhith ag obair an-diugh
- A' buannachadh cùmhnant nas motha na àbhaist agus feum air sgèileadh suas gu luath
- Amannan sàmhach ràitheil nuair a tha fàirdealan a' slaodadh ach nach eil na cosgaisean àbhaisteach
If so, a Credicorp short-term business loan could help you bridge that gap.
Cò an toradh a fhreagras?
Credicorp Business Loan Air a mholadh airson na roinne seo
Tha sruth-airgid ciùird air a stiùireadh leis a' bheàrn eadar ceannach stuthan agus pàigheadh fhaighinn. Tha iasad teirm shuidhichte a' còmhdach na beàrn shònraichte sin aig cosgais iomlan aithnichte.
- £50–£500 ann an aon airgead-toisich
- Suidhichte 14–84 -latha de theirm
- 0.25% gach latha de rèidh shimplidh + £5 cìs stèidheachaidh
- Cosgais iomlan cuibhrichte aig 100% den phrionnsapal
- Gun bharantas pearsanta
- A' mhòr-chuid de cho-dhùnaidhean an aon latha obrach
Credicorp Slice — split a single bill
If you have a specific trade supplier invoice to pay — materials, tools, plant hire — Credicorp Slice lets you spread it over 3 or 4 instalments at a flat fee.
- Bilichean de £50–£2,000
- Cìs rèidh 6% cìs — gun cho-mheasgachadh
- 3 no 4 cuibhreannan seachdaineil le Fiach Dìreach
- Socraich tràth agus pàighidh sinn air ais a' chìs gun chleachdadh 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.
Faic a' chosgais airson an roinn agad
Dh'fhaodadh gnothachas trades àbhaisteach iasad fhaighinn de £400.00 thar 56 latha. Atharraich na sleamhnagan gus a bhith a' freagairt air an t-suidheachadh agad fhèin.
A bheil seo a' freagairt air na feumalachdan agad? Tòisich an t-iarrtas agad
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.
Cò as urrainn iarrtas a chur a-steach?
- Companaidh earranta no LLP san RA (iasad corp-corporra a-mhàin — chan e luchd-malairt aonair)
- 6+ mìosan malairt
- Cunntas banca gnothachais làithreach san RA
- Sgrùdadh dearbh-aithne stiùiriche (thusa, chan e an companaidh, mar riochdaire ùghdarraichte a' chompanaidh)
- Chan eil feum air barantas pearsanta — 's ann leis a' chompanaidh a tha an dleastanas
Stiùireadh airson a' ghnothachais agad
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.
Leugh an stiùireadh →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.
Leugh an stiùireadh →Ceistean cumanta
- Can a trade business incorporated as a limited company apply?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in the trades — plumbers, electricians, builders, decorators and other specialists. The company must be incorporated at Companies House.
- 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.