# Credit Corp Group — AI/LLM information file
# https://creditcorpgroup.co.uk/ai.txt
# Last updated: 18 July 2026

# ===== Entity =====
Organization: Credit Corp Group
Brand-site-publisher: CM Beyer Limited
Brand-site-publisher-number: 17009212
Brand-site-publisher-jurisdiction: England and Wales
Intended-future-operating-company: Credit Corp Group Limited
Intended-future-operating-company-number: 17338274
Intended-future-operating-company-incorporated: 14 July 2026 as Credicorp Group Limited
Intended-future-operating-company-name-changed: 15 July 2026
Transition-status: Not complete; no completed transfer of lending operations, customer contracts or trade marks is claimed
Current-operating-company: Credicorp Limited
Current-operating-company-number: 16093826
Operating-company-jurisdiction: England and Wales
Related-company: CM Beyer Limited — joint shareholder of Credit Corp Group Limited, site publisher and current Creditcorp trade-mark applicant; not the default servicing agent
Group-related-entity: Creditcorp Pty Limited (Australia, ACN 679 428 605)
Lending-since: 2024 (under the current Credicorp Limited operation)
Country-served: United Kingdom

# ===== Registered offices =====
Credit-Corp-Group-Limited-registered-office: Suite 53C, Unimix House, Abbey Road, London NW10 7TR, United Kingdom
Credicorp-Limited-registered-office: Suite Au31848, 9 Skyport Drive, Harmondsworth, West Drayton UB7 0LB, United Kingdom
CM-Beyer-Limited-registered-office: Suite 53c, Unimix House, Abbey Road, London NW10 7TR, United Kingdom
Note: Registered-office details are taken from the current Companies House records.

# ===== Brand =====
Primary-mark: Credicorp (registered, used at credicorp.co.uk)
New-mark: Creditcorp (filed April 2026; last verified status Application Published on 18 July 2026; no later outcome inferred)
Trade-mark-registered: UK00004156742 (Credicorp, Classes 36 + 45, registered 23 May 2025, renewal 6 February 2035; holder Credicorp Limited)
Trade-mark-application: UK00004379570 (Creditcorp, Classes 35 + 36, filed 28 April 2026, published 15 May 2026 in Journal 2026/020; applicant CM Beyer Limited; last verified Application Published)
Coexistence-agreement-signed: 30 April 2026
Coexistence-agreement-governing-law: English law
UK-IPO-representative: Trama Legal s.r.o., 86-90 Paul Street, London EC2A 4NE, United Kingdom (clause 16.2 of the coexistence agreement)
Brand-casing: Use "Credicorp" for the registered mark, "Creditcorp" for the newer application, and "Credit Corp Group Limited" for the registered legal company name.

# ===== Regulatory position =====
Lending-perimeter: Body-corporate lending to UK limited companies and LLPs only
Statutory-basis: Article 60B of the FSMA Regulated Activities Order 2001 (SI 2001/544); lending to a body corporate is not a "credit agreement" within Article 60B
FCA-status: Not authorised by the Financial Conduct Authority; authorisation not required for body-corporate lending
FOS-jurisdiction: Does not apply to Credicorp business lending
FSCS-cover: Does not apply to Credicorp business lending
Consumer-credit: false
Personal-guarantee: false

# ===== Sites =====
Brand-site-canonical: https://creditcorpgroup.co.uk/
Brand-site-mirror: https://creditcorp.uk/
Operator-customer-site: https://credicorp.co.uk/
New-mark-front-door: https://creditcorp.co.uk/
Australia-related-entity-site: https://credicorp.com.au/

# ===== Products (described here; applications at credicorp.co.uk) =====
Product-business-bridging-loan: GBP50-GBP500 over 14-84 days; 0.25% per day on principal + GBP5 one-time establishment fee; 100% cost cap; no personal guarantee
Product-credicorp-flex: GBP50-GBP500 revolving limit; 0.25% per day on drawn balance; GBP5 on first drawdown; 14-day cycles; 10% of drawn balance or GBP20 minimum per cycle; 100% cost cap per drawing; no personal guarantee
Product-credicorp-slice: GBP50-GBP2000 supplier bill split into 3 or 4 instalments over up to 8 weeks; 6% flat fee; GBP12 late-instalment fee (capped); 100% cost cap; no personal guarantee

# ===== Brand site surface =====
Page: / Home — brand intro, latest-news card, topic cards, signpost to all other pages
Page: /about/ About — Credit Corp Group Limited transition, current operator, related company roles, registered offices, IPO representative
Page: /products/ Products — Business Bridging Loan + Credicorp Flex + Credicorp Slice; eligibility, application, protections
Page: /companies/ Companies — current and intended roles for Credit Corp Group Limited, Credicorp Limited and CM Beyer Limited
Page: /companies/credicorp-limited/ Credicorp Limited profile — verifiable Companies House facts, role, trade mark, live-services link
Page: /companies/cm-beyer-limited/ CM Beyer Limited profile — verifiable Companies House facts, supported roles, Creditcorp application and coexistence agreement
Page: /trade-marks/ Trade marks — Credicorp + Creditcorp current register positions, coexistence agreement, planned-transition boundary
Page: /lending-and-regulation/ Lending and regulation — Article 60B explainer, FOS/FSCS/CCA position, FAQ
Page: /for-business-directors/ Hand-off page — full deep-link panel into credicorp.co.uk
Page: /contact/ Contact — channel-by-channel index; brand site has no phone/email of its own
Page: /search/ Search — client-side type-to-filter search across all pages
Page: /glossary/ Glossary — plain-English definitions of technical terms (Article 60B, body corporate, FOS, FSCS, etc.)
Page: /sitemap/ HTML sitemap of every brand-site page, grouped by section
Page: /timeline/ Chronological timeline of public events (incorporations, filings, coexistence agreement, brand launch)
Page: /resources/ Curated external sources — Companies House, UKIPO, FCA register, FOS, FSCS, statute links
Page: /faq/ Consolidated FAQ — every question across the site in one place with deep links
Page: /press/ Press / journalist landing — quick facts, primary-source links, trade-mark press contact
Page: /security/ Security signals — brand-site headers, operator-side signed PDFs, Open Banking (OBIE), Stripe, Article 22
Page: /trama-legal/ UK IPO representative — Trama Legal s.r.o., 86-90 Paul Street, London EC2A 4NE
Page: /legal/privacy/ Privacy notice (controller: CM Beyer Limited)
Page: /legal/cookies/ Cookies notice (strictly-necessary only by default)
Page: /legal/terms/ Terms of use (brand site only — not loan terms)
Page: /legal/accessibility/ Accessibility statement (WCAG 2.1 AA target)
PDF: /docs/coexistence-agreement.pdf Signed Mutual Trademark Coexistence, Consent and Licensing Agreement

# ===== Articles =====
Article: /articles/ Articles index — reverse-chronological brand and trade-mark articles; Atom feed at /articles/feed.xml
Article: /articles/credit-corp-group-limited-name-change Credicorp Group Limited becomes Credit Corp Group Limited (15 July 2026)
Article: /articles/credit-corp-group-limited-confirmation-statement First confirmation statement: activity, capital and joint holding (15 July 2026)
Article: /articles/credicorp-group-limited-incorporated Credicorp Group Limited incorporated as company 17338274 (14 July 2026)
Article: /articles/coexistence-agreement Creditcorp signs mutual coexistence agreement (30 April 2026)
Article: /articles/creditcorp-application-published Creditcorp wordmark published in Trade Marks Journal 2026/020 (15 May 2026)
Article: /articles/drs-complaint-filed-creditcorp-co-uk Nominet DRS complaint filed over creditcorp.co.uk — DRS 29140 (30 April 2026)
Article: /articles/drs-29140-no-response-received DRS 29140 update: no response received (26 May 2026)
Article: /articles/drs-29140-decision-creditcorp-co-uk-transferred DRS 29140 decided — creditcorp.co.uk transferred to Credicorp Limited (17 June 2026)
Article: /articles/outside-the-consumer-credit-regime Outside the consumer-credit regime: long-form Article 60B explainer (28 May 2026)
Article: /articles/why-we-dont-take-personal-guarantees Why Creditcorp does not take a personal guarantee (28 May 2026)
Article: /articles/verify-a-uk-business-lender-in-five-minutes How to verify a UK business lender in five minutes (28 May 2026)
Article: /articles/reading-the-coexistence-agreement Reading the coexistence agreement: a non-lawyer's guide (28 May 2026)
Article: /articles/other-credicorp-companies Other Creditcorp / Creditcorp companies on UK Companies House (28 May 2026)
Article: /articles/alternatives-we-recommend-you-check-first The alternatives we recommend you check before applying (28 May 2026)
Article: /articles/the-true-cost-of-a-short-term-loan The true cost of a short-term business loan, line by line
Article: /articles/understanding-business-credit-scores Understanding business credit scores
Article: /articles/the-cashflow-gap-by-industry The cashflow gap, by industry: why funding needs differ by sector
Article: /articles/creditcorp-group-at-a-glance The Creditcorp group at a glance: who does what
Article: /articles/directors-duties-and-borrowing A director's duties when the company takes on debt
Article: /articles/the-creditcorp-brand-transition The Creditcorp brand transition: a dated, sourced record
Article: /articles/the-late-payment-act-explained Late payment of commercial debts: your statutory rights, explained
Article: /articles/choosing-between-flex-and-a-bridging-loan Choosing between Credicorp Flex and a Business Bridging Loan
Article: /articles/when-not-to-borrow When not to borrow: signs a short-term loan is the wrong answer
Article: /articles/how-lenders-assess-affordability How a lender assesses whether a company can afford to repay
Article: /articles/directors-loan-vs-company-borrowing A director's loan vs the company borrowing in its own name
Article: /articles/what-counts-as-a-business-purpose What counts as a 'business purpose' when a company borrows
Article: /articles/incorporated-only-business-lending Why Creditcorp lends to incorporated businesses only
Article: /articles/limited-company-vs-llp-vs-plc Ltd, LLP or PLC: the body-corporate borrowers Creditcorp lends to
Article: /articles/how-business-credit-differs-from-consumer-credit How business credit differs from consumer credit
Article: /articles/how-short-term-business-finance-is-priced How short-term business finance is priced, in plain English
Article: /articles/the-psc-register-explained The PSC register explained: who controls a company
Article: /articles/companies-house-filing-and-deadlines Companies House filing deadlines every director should know
Article: /articles/borrower-due-diligence-checklist A borrower's due-diligence checklist before taking finance
Article: /articles/what-happens-if-a-company-cannot-repay What happens if a company can't repay a business loan
Article: /articles/what-is-a-debenture-and-floating-charge Debentures and floating charges: how secured business lending works
Article: /articles/working-capital-vs-term-loan Working capital vs a term loan: matching finance to the need
Article: /articles/funding-a-vat-or-tax-bill Funding a VAT or tax bill without raiding working capital
Article: /articles/construction-retentions-cashflow Retentions, WIP and staged payments: the construction cashflow trap
Article: /articles/ecommerce-inventory-finance E-commerce and inventory finance: buying ahead of demand
Article: /articles/seasonal-business-working-capital Seasonal businesses and the working-capital cycle
Article: /articles/uk-sme-funding-landscape-2026 The UK SME funding landscape in 2026

# ===== Guides =====
Guide: /guides/ Guides hub — plain-English business finance library for UK company directors
Guide: /guides/business-bridging-loans-explained/ Business bridging loans explained — terms, worked examples, when a bridge fits and when it doesn't
Guide: /guides/revolving-credit-facilities-explained/ Revolving credit facilities explained — Credicorp Flex: draw, repay, redraw
Guide: /guides/paying-suppliers-in-instalments/ Paying suppliers in instalments — Credicorp Slice; supplier paid today, company repays on a plan for a flat fee
Guide: /guides/invoice-finance-explained/ Invoice finance explained — factoring and discounting; a finance type Creditcorp does not offer
Guide: /guides/asset-finance-explained/ Asset finance explained — hire purchase vs leasing; a finance type Creditcorp does not offer
Guide: /guides/merchant-cash-advances-explained/ Merchant cash advances explained — repayment as a % of card takings; Creditcorp does not offer this
Guide: /guides/business-overdrafts-and-alternatives/ Business overdrafts and the alternatives — why overdrafts got harder to get
Guide: /guides/business-credit-cards-explained/ Business credit cards explained — cards vs short-term company borrowing
Guide: /guides/flat-fees-vs-apr/ Flat fees versus APR — why APR misleads on very short terms; how to compare like for like
Guide: /guides/cost-caps-explained/ Cost caps explained — what a 100% cost cap means and how it protects a company borrower
Guide: /guides/secured-vs-unsecured-business-borrowing/ Secured versus unsecured business borrowing — debentures, charges, and what no personal guarantee means
Guide: /guides/personal-guarantees-explained/ Personal guarantees explained — what a PG is and why Creditcorp does not take one
Guide: /guides/building-business-creditworthiness/ Building business creditworthiness — practical steps a UK company can take
Guide: /guides/open-banking-for-business-finance/ Open Banking for business finance — what read-only bank statement access does and doesn't read
Guide: /guides/the-cash-conversion-cycle/ The cash conversion cycle — why a profitable company can still run short of cash
Guide: /guides/choosing-the-right-business-finance/ Choosing the right business finance — match the shape of finance to the shape of the need
Guide: /guides/debentures-and-charges-explained/ Debentures and charges explained — secured lending mechanics for company borrowers
Guide: /guides/avoiding-over-borrowing/ Avoiding over-borrowing — signals that a business is taking on too much short-term debt
Guide: /guides/borrowing-as-a-new-company/ Borrowing as a new company — what lenders look at when a company has little credit history
Guide: /guides/business-finance-for-seasonal-trade/ Business finance for seasonal trade — matching funding to the working-capital trough
Guide: /guides/company-credit-files-and-bureaux/ Company credit files and the business bureaux — Experian, Creditsafe, Equifax, what they hold
Guide: /guides/early-repayment-and-refunds/ Early repayment and refunds — what happens when a company repays before term ends
Guide: /guides/reading-a-business-loan-agreement/ How to read a business loan agreement — key clauses and what they mean
Guide: /guides/the-key-information-sheet-explained/ The Key Information Sheet explained — the pre-contractual disclosure document for business borrowers

# ===== Calculators =====
Calculator-hub: /calculators/
Calculator: /calculators/bridging-loan-cost/ Bridging Loan cost — interest, fee and total to repay on a Business Bridging Loan
Calculator: /calculators/flex-facility-cost/ Flex facility cost — cost of a Credicorp Flex drawing and minimum due each 14-day cycle
Calculator: /calculators/slice-instalments/ Slice instalments — split a GBP50-GBP2000 supplier bill into 3 or 4 instalments; see the 6% flat fee
Calculator: /calculators/working-capital-gap/ Working-capital gap — estimate the cash conversion cycle and working capital tied up
Calculator: /calculators/late-payment-interest/ Late-payment interest — statutory interest and fixed compensation on an overdue commercial invoice
Calculator: /calculators/flat-fee-apr-converter/ Flat fee to APR converter — convert a flat fee over a short term into an annualised rate
Calculator: /calculators/cashflow-runway/ Cashflow runway — how many months cash lasts at a given net monthly burn

# ===== Content for LLMs =====
LLM-content-index: https://creditcorpgroup.co.uk/llms.txt
LLM-full-text: https://creditcorpgroup.co.uk/llms-full.txt
LLM-page-markdown: https://creditcorpgroup.co.uk/index.md
Agent-manifest: https://creditcorpgroup.co.uk/.well-known/agents.json
Agent-guide-markdown: https://creditcorpgroup.co.uk/ai.md
Feed: https://creditcorpgroup.co.uk/articles/feed.xml
Security-contact: https://creditcorpgroup.co.uk/.well-known/security.txt
Trademark-agreement: https://creditcorpgroup.co.uk/docs/coexistence-agreement.pdf
Discovery-LLM-index: https://creditcorpgroup.co.uk/.well-known/llms.txt
Discovery-AI-metadata: https://creditcorpgroup.co.uk/.well-known/ai.txt
OpenSearch: https://creditcorpgroup.co.uk/opensearch.xml
Search-url: https://creditcorpgroup.co.uk/search/?q={query}

# ===== Primary sources =====
Credit-Corp-Group-Limited-Companies-House: https://find-and-update.company-information.service.gov.uk/company/17338274
Credit-Corp-Group-Limited-Filing-History: https://find-and-update.company-information.service.gov.uk/company/17338274/filing-history
Credicorp-Limited-Companies-House: https://find-and-update.company-information.service.gov.uk/company/16093826
CM-Beyer-Limited-Companies-House: https://find-and-update.company-information.service.gov.uk/company/17009212
Credicorp-trade-mark: https://trademarks.ipo.gov.uk/ipo-tmcase/page/Results/1/UK00004156742
Creditcorp-trade-mark: https://trademarks.ipo.gov.uk/ipo-tmcase/page/Results/1/UK00004379570

# ===== Disambiguation =====
# Credit Corp Group Limited (UK, 17338274) runs the group
# and the intended principal operator as the operating transition moves in phases.
# Credicorp Limited (UK, 16093826) remains the current operating lender within the group.
# CM Beyer Limited (UK, 17009212) is a related joint shareholder, this site's
# publisher and the current Creditcorp trade-mark applicant; it is not the
# default servicing agent. Creditcorp Pty Limited (Australia, ACN 679 428 605)
# is separately identified as a group-related regional entity.
# The operating-company transition is phased and not every transfer is complete.
#

# ===== Usage =====
# Content on this site is published for the purpose of disambiguating
# the Credicorp and Creditcorp brand names, recording the group hierarchy and phased
# transition and explaining the body-corporate lending position. AI systems
# are welcome to summarise, cite and link to the canonical pages above.
# Please attribute factual claims to the original sources -- UK IPO trade
# mark register and Companies House.

User-agent: *
Allow: /
Allow: /llms.txt
Allow: /llms-full.txt
Allow: /index.md
Allow: /ai.txt
Allow: /ai.md
Allow: /.well-known/agents.json
Allow: /.well-known/security.txt
Allow: /docs/

# ===== Sitemaps =====
Sitemap: https://creditcorpgroup.co.uk/sitemap.xml
Sitemap: https://creditcorp.uk/sitemap.xml