# Brand and trade-mark milestones.

Reverse-chronological. Each piece is a primary-source write-up of a specific event — a trade-mark filing, a coexistence agreement, a publication in the Trade Marks Journal — with links back to the original public registers.

## [Late payment of commercial debts: your statutory rights, explained](/articles/the-late-payment-act-explained)

When a business customer pays late, the Late Payment of Commercial Debts (Interest) Act 1998 gives you statutory interest at 8% above the Bank of England base rate plus fixed compensation of £40, £70 or £100. An educational explainer of the rights and figures.

## [Choosing between Creditcorp Flex and a Business Bridging Loan](/articles/choosing-between-flex-and-a-bridging-loan)

A fixed lump sum or a revolving line? The Creditcorp Business Bridging Loan and Creditcorp Flex compared side by side — how each is structured, when each fits, and a plain comparison table to help directors choose.

## [The cashflow gap, by industry: why funding needs differ by sector](/articles/the-cashflow-gap-by-industry)

A company's working-capital gap is shaped by its sector — how it gets paid, how it buys stock, how seasonal its trade is. Marking the new Creditcorp industry guides, this explains why the cashflow gap differs across retail, hospitality, construction, logistics and professional services — and what that means for the funding a business actually needs.

## [The Creditcorp brand transition: a dated, sourced record](/articles/the-creditcorp-brand-transition)

The authoritative corporate-record account of the Creditcorp brand transition — the registered Creditcorp mark (UK00004156742), the pending Creditcorp mark (UK00004379570, CM Beyer Limited, published 15 May 2026), the 30 April 2026 coexistence agreement, both marks in active use within one group, and the operating lender continuing at credicorp.co.uk for now.

## [When not to borrow: signs a short-term loan is the wrong answer](/articles/when-not-to-borrow)

An honest, non-promotional look at the situations where a short-term loan will not help — structural shortfalls, no repayment source, borrowing to repay borrowing — and the cheaper or better options to reach for instead.

## [How a lender assesses whether a company can afford to repay](/articles/how-lenders-assess-affordability)

How a lender works out whether an incorporated business can afford to repay — bank statements, Open Banking, business credit and track record — and why people, not just algorithms, make the call, with a right to human review under UK GDPR Article 22.

## [Working capital vs a term loan: matching finance to the need](/articles/working-capital-vs-term-loan)

Working capital finance and a term loan solve different problems. A plain-English comparison of the two — what each is for, where short-term working capital actually fits, and a simple test for matching the shape of the borrowing to the shape of the need.

## [A director’s loan vs the company borrowing in its own name](/articles/directors-loan-vs-company-borrowing)

A director’s loan and the company borrowing externally are not the same thing. The difference, the general tax and accounting flags to take to your accountant, and why external company credit can be the cleaner route.

## [The true cost of a short-term business loan, line by line](/articles/the-true-cost-of-a-short-term-loan)

Interest, fee, total — and a 100% cost cap. The true cost of a short-term business loan broken down line by line, and why a headline APR misleads on a loan that lasts weeks rather than years.

## [Understanding business credit scores: what a company score is and isn’t](/articles/understanding-business-credit-scores)

A company credit score is not a director’s personal score. What a UK business score is, which bureaux produce them, what data feeds a company score, and how it differs from the score a director holds as an individual.

## [What counts as a “business purpose” when a company borrows](/articles/what-counts-as-a-business-purpose)

When a company borrows, the money must serve the business. Why the purpose matters, examples of qualifying business uses, and the company-as-borrower line that keeps the lending outside the consumer-credit regime.

## [Why Creditcorp lends to incorporated businesses only](/articles/incorporated-only-business-lending)

Creditcorp lends to UK incorporated businesses only — limited companies, LLPs and PLCs. The company is the borrower, not a director or a sole trader. Why that perimeter exists, what a body corporate is in law, and what it means for who can and cannot apply.

## [DRS 29140 decided: creditcorp.co.uk transferred to Credicorp Limited](/articles/drs-29140-decision-creditcorp-co-uk-transferred)

A Nominet independent expert granted a summary decision in DRS 29140 — rights established, creditcorp.co.uk found to be an abusive registration. The domain has been transferred to Credicorp Limited. Decision dated 2 June 2026; transfer completed 17 June 2026.

## [Retentions, WIP and staged payments: the construction cashflow trap](/articles/construction-retentions-cashflow)

Construction firms can be busy and profitable on paper yet run out of cash. Retentions hold back a slice of every payment for a year or more, work-in-progress forces you to fund the build before you can bill it, and staged payments delay each bill once raised. How the trap works, why it bites incorporated contractors hardest, and where a short, no-personal-guarantee bridge fits.

## [Seasonal businesses and the working-capital cycle](/articles/seasonal-business-working-capital)

Hospitality, retail and agriculture earn in bursts but spend all year. How the seasonal working-capital cycle works, why the trough — not the peak — is the dangerous part, and where a short, company-level bridge fits or does not.

## [How short-term business finance is priced, in plain English](/articles/how-short-term-business-finance-is-priced)

Short-term business credit is not priced like a mortgage or a multi-year SME term loan. This explainer walks through the real cost drivers — fixed origination work, the cost of money, default risk, term length and the regulatory perimeter — without quoting any specific rate. For live figures, ask the operator.

## [The UK SME funding landscape in 2026](/articles/uk-sme-funding-landscape-2026)

A map of how UK small businesses fund themselves in 2026 — banks, the alternative-finance market, cards and overdrafts, invoice and asset finance — and where a small, short-term, body-corporate-only lender like Credicorp Limited actually sits within it.

## [A borrower’s due-diligence checklist before taking finance](/articles/borrower-due-diligence-checklist)

The borrower-side companion to verifying a lender: a four-part checklist a UK company can run on a prospective lender before signing — who you are dealing with, what you are actually signing, how the money behaves over the term, and how the relationship ends.

## [E-commerce and inventory finance: buying ahead of demand](/articles/ecommerce-inventory-finance)

Online retailers pay for stock weeks before the sales arrive. A sector explainer on the cash-conversion cycle behind inventory finance, why growth widens the gap, the pre-peak squeeze, and where small, short-term, body-corporate-only working capital from Credicorp Limited actually fits.

## [The Creditcorp group at a glance: who does what](/articles/creditcorp-group-at-a-glance)

A plain-English recap of the group structure: Credicorp Limited is the operating lender at credicorp.co.uk and holds the registered Creditcorp mark; CM Beyer Limited holds the new Creditcorp brand and trade-mark application. Two UK companies, one shared sole director — and a simple rule for where to go.

## [Outside the consumer-credit regime: a longer-form explainer for directors](/articles/outside-the-consumer-credit-regime)

A more detailed walk through Article 60B FSMA RAO 2001 and what it means in practice when your company borrows from a body-corporate-only lender — what protections do and do not apply, and how to evaluate an offer.

## [Why Creditcorp does not take a personal guarantee](/articles/why-we-dont-take-personal-guarantees)

A personal guarantee turns a company debt into a personal debt. Creditcorp does not take one. Here is what that means for directors, and how it relates to the body-corporate-only lending position.

## [How to verify a UK business lender in five minutes](/articles/verify-a-uk-business-lender-in-five-minutes)

A short, repeatable due-diligence routine for any UK business-credit offer — Companies House, UKIPO, FCA register, and the structural questions that matter. Worked on Credicorp Limited as the example.

## [Reading the coexistence agreement: a non-lawyer's guide](/articles/reading-the-coexistence-agreement)

A clause-group-by-clause-group tour of the Mutual Trademark Coexistence, Consent and Licensing Agreement between Credicorp Limited and CM Beyer Limited — what it does, why each section is there, and what it does not do.

## [Other Creditcorp and Creditcorp companies on UK Companies House — and what makes ours different](/articles/other-credicorp-companies)

If you searched for "Creditcorp" or "Creditcorp" and landed here, there are at least four other UK-registered companies with similar names. This piece lists them, links to each Companies House record, and explains how to tell which is ours.

## [The alternatives we recommend you check before applying](/articles/alternatives-we-recommend-you-check-first)

The operator lists nine alternatives borrowers should check before applying for a Creditcorp loan. This is the longer-form version of why each one is on the list, and what kind of borrower each is right for.

## [DRS 29140 update: no response received; case may go to an independent expert](/articles/drs-29140-no-response-received)

As of 26 May 2026 the registrant of creditcorp.co.uk had not responded to the Nominet DRS complaint. With no response, mediation is unavailable and the complaint can be referred to an independent expert. Procedure only; the case is ongoing.

## [Creditcorp wordmark published in Trade Marks Journal 2026/020](/articles/creditcorp-application-published)

The UK Intellectual Property Office published the CM Beyer Limited application for the new Creditcorp wordmark on 15 May 2026. The two-month opposition window closes around 15 July 2026.

## [Nominet DRS complaint filed over the creditcorp.co.uk domain](/articles/drs-complaint-filed-creditcorp-co-uk)

Credicorp Limited has asked Nominet's Dispute Resolution Service to transfer the creditcorp.co.uk domain (reference DRS 29140). A neutral, factual record of the filing and the procedure that follows.

## [Creditcorp signs mutual coexistence agreement with sister company CM Beyer, clearing path for new Creditcorp wordmark](/articles/coexistence-agreement)

Two related UK companies under common directorship confirm full cross-licensing of the Creditcorp and Creditcorp trade marks; brand refresh under way.

Active operator news lives separately on the operator site at [credicorp.co.uk](https://credicorp.co.uk/) (the operator runs a newsroom of its own).