# Credit Corp Group

> Credit Corp Group Limited (Companies House 17338274) runs the group. Credicorp Limited (16093826) remains the current lender while the operating transition is completed in phases. CM Beyer Limited (17009212), which is neither the group parent nor the default servicing agent, is a related joint shareholder, this site's publisher and the current Creditcorp trade-mark applicant. No completed transfer of customer contracts or trade marks is claimed.

## Brand site — topic pages

- [Home](https://creditcorpgroup.co.uk/): Group identity, latest-news card, four topic cards, signpost to all other pages.
- [About the group](https://creditcorpgroup.co.uk/about/): Credit Corp Group Limited owns Credicorp Limited, the phased operating transition, related roles, registered offices and transfer boundaries.
- [Products](https://creditcorpgroup.co.uk/products/): Creditcorp's three products in our voice — Business Bridging Loan (£50–£500 over 14–84 days), Credicorp Flex (revolving facility) and Credicorp Slice (supplier bills of £50–£2,000 paid in 3–4 instalments over up to 8 weeks, 6% flat fee). Eligibility, application process, what protections do and don't apply.
- [Our companies](https://creditcorpgroup.co.uk/companies/): Credit Corp Group Limited as group parent, Credicorp Limited as current lender within the group, and CM Beyer Limited's related roles.
- [Credicorp Limited (16093826)](https://creditcorpgroup.co.uk/companies/credicorp-limited/): The operating lender. Verifiable Companies House facts, role, trade mark, live-services link.
- [CM Beyer Limited (17009212)](https://creditcorpgroup.co.uk/companies/cm-beyer-limited/): The trade-mark applicant and brand-site publisher. Verifiable Companies House facts.
- [Trade marks](https://creditcorpgroup.co.uk/trade-marks/): Credicorp (registered) and Creditcorp (last verified status: Application Published on 18 July 2026; no later outcome inferred), with comparison, coexistence agreement, and FAQ.
- [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/): Article 60B explainer in plain English; why body-corporate lending is outside the FCA consumer-credit regime; what this means for borrowers; FAQ.
- [For business directors](https://creditcorpgroup.co.uk/for-business-directors/): Hand-off page with deep links into credicorp.co.uk for active services.
- [Contact](https://creditcorpgroup.co.uk/contact/): Channel-by-channel index — customer support goes via credicorp.co.uk; brand-site postal goes via CM Beyer Limited; trade-mark queries go via Trama Legal s.r.o.
- [Search](https://creditcorpgroup.co.uk/search/): Client-side type-to-filter search across every page on the brand site.
- [Glossary](https://creditcorpgroup.co.uk/glossary/): Plain-English definitions of the technical terms used on this site — Article 60B, body corporate, FOS, FSCS, financial promotion, trade mark, opposition window, etc.
- [Sitemap (HTML)](https://creditcorpgroup.co.uk/sitemap/): HTML sitemap of every page, grouped by section.
- [News and updates](https://creditcorpgroup.co.uk/articles/): Index of brand and trade-mark articles, reverse-chronological.
- [News: Credit Corp Group Limited name change (15 July 2026)](https://creditcorpgroup.co.uk/articles/credit-corp-group-limited-name-change): Company 17338274 adopts its current legal name; no operational or IP transfer is inferred.
- [News: First confirmation statement (15 July 2026)](https://creditcorpgroup.co.uk/articles/credit-corp-group-limited-confirmation-statement): Activity codes, fully paid capital and the single joint holding.
- [News: Credicorp Group Limited incorporated (14 July 2026)](https://creditcorpgroup.co.uk/articles/credicorp-group-limited-incorporated): Original incorporation record for company 17338274.
- [News: Coexistence agreement (30 April 2026)](https://creditcorpgroup.co.uk/articles/coexistence-agreement): Two related UK companies under common directorship sign mutual coexistence agreement governing the Credicorp and Creditcorp trade marks.
- [News: Creditcorp application published in Trade Marks Journal 2026/020 (15 May 2026)](https://creditcorpgroup.co.uk/articles/creditcorp-application-published): UK IPO publishes the CM Beyer Limited application; two-month opposition window closes ~15 July 2026.
- [News: Nominet DRS complaint filed over creditcorp.co.uk (30 April 2026)](https://creditcorpgroup.co.uk/articles/drs-complaint-filed-creditcorp-co-uk): DRS 29140 — Credicorp Limited asks Nominet to transfer the separate creditcorp.co.uk domain. Neutral factual record of the filing and procedure.
- [News: DRS 29140 update — no response received (26 May 2026)](https://creditcorpgroup.co.uk/articles/drs-29140-no-response-received): The registrant did not respond by the deadline; mediation unavailable; complaint referred to an independent expert. Procedure only.
- [News: DRS 29140 decided — creditcorp.co.uk transferred (17 June 2026)](https://creditcorpgroup.co.uk/articles/drs-29140-decision-creditcorp-co-uk-transferred): Independent expert granted a summary decision — rights established, creditcorp.co.uk found to be an abusive registration. Domain transferred to Credicorp Limited on 17 June 2026, following a decision dated 2 June 2026.
- [News: Outside the consumer-credit regime — long-form explainer (28 May 2026)](https://creditcorpgroup.co.uk/articles/outside-the-consumer-credit-regime): Detailed walk through Article 60B and what it means in practice for body-corporate borrowers; what protections do and do not apply; questions to ask before borrowing.
- [News: Why Creditcorp does not take a personal guarantee (28 May 2026)](https://creditcorpgroup.co.uk/articles/why-we-dont-take-personal-guarantees): What a personal guarantee is, why most short-term lenders insist on one, and the reasoning behind Creditcorp's no-PG operating policy.

## Brand site — people and primary references

- [Trama Legal s.r.o. — UK IPO representative](https://creditcorpgroup.co.uk/trama-legal/): UK IPO representative for both trade marks; address; clause 16.2 of the coexistence agreement.
- [Timeline](https://creditcorpgroup.co.uk/timeline/): Chronological list of public events — incorporations, trade-mark filings, the coexistence agreement, brand-site launch.
- [Resources](https://creditcorpgroup.co.uk/resources/): Curated external sources — Companies House, UKIPO, primary statute, FCA register, FOS, FSCS, BBRS, operator pages, UK SME credit references.
- [FAQ](https://creditcorpgroup.co.uk/faq/): Consolidated FAQ landing — every question across the site in one place with deep links to detailed answers.
- [Press](https://creditcorpgroup.co.uk/press/): Press / journalist landing — quick facts, primary-source links, trade-mark press contact via Trama Legal s.r.o., trade-mark assets.
- [Security](https://creditcorpgroup.co.uk/security/): Security signals — brand-site CSP/HSTS/headers, operator-side signed PDFs, audit log, Open Banking via OBIE, Stripe, Article 22 disclosures.
- [Atom feed for /articles/](https://creditcorpgroup.co.uk/articles/feed.xml): Atom 1.0 feed of brand-site news and updates.
- [News: How to verify a UK business lender in five minutes (28 May 2026)](https://creditcorpgroup.co.uk/articles/verify-a-uk-business-lender-in-five-minutes): A repeatable Companies House + UKIPO + FCA-register due-diligence routine, worked on Creditcorp as the example.
- [News: Reading the coexistence agreement — a non-lawyer's guide (28 May 2026)](https://creditcorpgroup.co.uk/articles/reading-the-coexistence-agreement): Clause-group-by-clause-group walkthrough of the Creditcorp / CM Beyer trade-mark coexistence agreement.
- [News: Other Creditcorp / Creditcorp companies on UK Companies House (28 May 2026)](https://creditcorpgroup.co.uk/articles/other-credicorp-companies): Disambiguation — at least four other UK-registered companies share similar names; how to tell which is ours.
- [News: The alternatives we recommend you check before applying (28 May 2026)](https://creditcorpgroup.co.uk/articles/alternatives-we-recommend-you-check-first): Longer-form version of the operator's nine recommended alternatives — when each is right.

## Brand site — legal

- [Legal and policies hub](https://creditcorpgroup.co.uk/legal/): Brand-site policy hub — privacy, cookies, terms of use, accessibility, and the operator policy route at credicorp.co.uk.
- [Privacy notice (this site)](https://creditcorpgroup.co.uk/legal/privacy/): Controller is CM Beyer Limited. Operator privacy at credicorp.co.uk.
- [Cookies](https://creditcorpgroup.co.uk/legal/cookies/): Strictly-necessary cookies only by default.
- [Terms of use (this site)](https://creditcorpgroup.co.uk/legal/terms/): Terms covering use of this brand site only.
- [Accessibility](https://creditcorpgroup.co.uk/legal/accessibility/): WCAG 2.1 AA target.

## Operating lender — Credicorp Limited (credicorp.co.uk)

- [Credicorp home](https://credicorp.co.uk/): UK business lender to limited companies and LLPs.
- [About Credicorp](https://credicorp.co.uk/about-us/): Operator background.
- [Contact Credicorp](https://credicorp.co.uk/contact-us/): Phone, email, post.
- [Companies House record (16093826)](https://find-and-update.company-information.service.gov.uk/company/16093826): Public registry entry.

## Operator products

- [Business Bridging Loan](https://credicorp.co.uk/business-loans/): Short-term lending to UK Ltd, LLP, PLC.
- [Credicorp Flex](https://credicorp.co.uk/business-credit-facility/): Revolving facility.
- [How we lend](https://credicorp.co.uk/how-we-lend/): Underwriting approach.
- [Apply](https://credicorp.co.uk/apply/): Start an application.
- [How it works](https://credicorp.co.uk/how-it-works/): Application journey.
- [What we offer](https://credicorp.co.uk/what-we-offer/): Products overview.

## Operator customer support

- [Customer portal](https://credicorp.co.uk/portal/): Account management.
- [Help with payments](https://credicorp.co.uk/help-with-payments/): Flexibility options.
- [Forms](https://credicorp.co.uk/forms/): Documents and request forms.
- [FAQs](https://credicorp.co.uk/faqs/): Common customer questions.
- [Support articles](https://credicorp.co.uk/support/): Knowledge base.
- [Vulnerability support](https://credicorp.co.uk/vulnerability/): Extra care.
- [Make a payment](https://credicorp.co.uk/make-a-payment/): Payment instructions.

## Operator legal and policy

- [Legal hub](https://credicorp.co.uk/legal/): All operator policies.
- [Customer terms and conditions](https://credicorp.co.uk/legal/terms-and-conditions/): Operator customer terms.
- [Operator privacy notice](https://credicorp.co.uk/legal/privacy/): Data handling for customers.
- [Operator cookies](https://credicorp.co.uk/legal/cookies/): Cookie policy.
- [Responsible lending](https://credicorp.co.uk/legal/responsible-lending/): Lending principles.
- [Feedback and complaints](https://credicorp.co.uk/legal/feedback-and-complaints/): How to raise a concern.
- [Modern slavery statement](https://credicorp.co.uk/modern-slavery/): Anti-slavery position.

## Trade mark and corporate references (primary sources)

- [Credit Corp Group Limited at Companies House](https://find-and-update.company-information.service.gov.uk/company/17338274): Company 17338274, incorporated 14 July 2026 and renamed 15 July 2026.
- [Credit Corp Group Limited filing history](https://find-and-update.company-information.service.gov.uk/company/17338274/filing-history): Incorporation, name change and first confirmation statement.
- [Credicorp trade mark UK00004156742](https://trademarks.ipo.gov.uk/ipo-tmcase/page/Results/1/UK00004156742): Existing registered mark, Classes 36 and 45, held by Credicorp Limited. Filed 6 February 2025, registered 23 May 2025, renewal due 6 February 2035.
- [Creditcorp trade mark UK00004379570](https://trademarks.ipo.gov.uk/ipo-tmcase/page/Results/1/UK00004379570): Application by CM Beyer Limited, Classes 35 and 36. Filed 28 April 2026 and published in Trade Marks Journal 2026/020 on 15 May 2026. Last verified status: "Application Published"; no registration outcome is inferred while the automated register lookup presents a security check.
- [Credicorp Limited at Companies House](https://find-and-update.company-information.service.gov.uk/company/16093826): Co. № 16093826, incorporated 21 November 2024.
- [CM Beyer Limited at Companies House](https://find-and-update.company-information.service.gov.uk/company/17009212): Co. № 17009212, incorporated 3 February 2026.
- [Coexistence agreement (PDF)](https://creditcorpgroup.co.uk/docs/coexistence-agreement.pdf): Mutual Trademark Coexistence, Consent and Licensing Agreement, signed 30 April 2026, English law.

## Guides — plain-English business finance explainers

- [Guides hub](https://creditcorpgroup.co.uk/guides/): Index of plain-English guides for directors of UK limited companies, LLPs and PLCs.
- [Business bridging loans explained](https://creditcorpgroup.co.uk/guides/business-bridging-loans-explained/): What a short-term business bridging loan is, the Creditcorp Bridging Loan terms, and when a bridge does and does not fit.
- [Revolving credit facilities explained](https://creditcorpgroup.co.uk/guides/revolving-credit-facilities-explained/): How a revolving facility such as Credicorp Flex works against a fixed loan.
- [Paying suppliers in instalments](https://creditcorpgroup.co.uk/guides/paying-suppliers-in-instalments/): Spreading a supplier bill with Credicorp Slice — supplier paid in full today, company repays over a plan for a flat fee.
- [Invoice finance explained](https://creditcorpgroup.co.uk/guides/invoice-finance-explained/): Invoice finance, factoring and discounting — a finance type Creditcorp does not offer — and how it compares.
- [Asset finance explained](https://creditcorpgroup.co.uk/guides/asset-finance-explained/): Hire purchase versus leasing for equipment — a finance type Creditcorp does not offer.
- [Merchant cash advances explained](https://creditcorpgroup.co.uk/guides/merchant-cash-advances-explained/): Repayment as a percentage of card takings — a finance type Creditcorp does not offer.
- [Business overdrafts and the alternatives](https://creditcorpgroup.co.uk/guides/business-overdrafts-and-alternatives/): Why overdrafts got harder to get, and the alternatives.
- [Business credit cards explained](https://creditcorpgroup.co.uk/guides/business-credit-cards-explained/): Cards versus short-term company borrowing, and who the borrower is.
- [Flat fees versus APR](https://creditcorpgroup.co.uk/guides/flat-fees-vs-apr/): Why APR can mislead on very short terms, and how to compare like for like.
- [Cost caps explained](https://creditcorpgroup.co.uk/guides/cost-caps-explained/): What a 100% cost cap means and how it protects a company borrower.
- [Secured versus unsecured business borrowing](https://creditcorpgroup.co.uk/guides/secured-vs-unsecured-business-borrowing/): Debentures, charges, and what no personal guarantee means in practice.
- [Personal guarantees explained](https://creditcorpgroup.co.uk/guides/personal-guarantees-explained/): What a personal guarantee is and why Creditcorp does not take one.
- [Building business creditworthiness](https://creditcorpgroup.co.uk/guides/building-business-creditworthiness/): Practical steps a UK company can take to be more creditworthy.
- [Open Banking for business finance](https://creditcorpgroup.co.uk/guides/open-banking-for-business-finance/): What read-only access to business bank statements does and does not read.
- [The cash conversion cycle](https://creditcorpgroup.co.uk/guides/the-cash-conversion-cycle/): Why a profitable company can still run short of cash, with a worked example.
- [Choosing the right business finance](https://creditcorpgroup.co.uk/guides/choosing-the-right-business-finance/): Match the shape of finance to the shape of the need, with a comparison table.
- [Debentures and charges explained](https://creditcorpgroup.co.uk/guides/debentures-and-charges-explained/): How secured business lending works — fixed and floating charges, what a debenture covers.
- [Avoiding over-borrowing](https://creditcorpgroup.co.uk/guides/avoiding-over-borrowing/): How much is too much; warning signs that a company is over-extended.
- [Borrowing as a new company](https://creditcorpgroup.co.uk/guides/borrowing-as-a-new-company/): What lenders look for in early-stage companies; eligibility hurdles and how to clear them.
- [Business bank accounts and borrowing](https://creditcorpgroup.co.uk/guides/business-bank-accounts-and-borrowing/): How your bank account history affects a lender's view; what the statements show.
- [Business finance and your accountant](https://creditcorpgroup.co.uk/guides/business-finance-and-your-accountant/): When to involve an adviser; what an accountant can add to a borrowing decision.
- [Business finance for seasonal trade](https://creditcorpgroup.co.uk/guides/business-finance-for-seasonal-trade/): Working-capital cycles for seasonal UK businesses; timing borrowing around revenue peaks.
- [Company credit files and the business bureaux](https://creditcorpgroup.co.uk/guides/company-credit-files-and-bureaux/): Experian, Creditsafe, Equifax — what each bureau holds on a UK company.
- [Early repayment and refunds](https://creditcorpgroup.co.uk/guides/early-repayment-and-refunds/): What happens when a company repays before term; how Creditcorp handles early settlement.
- [How to prepare your company to borrow](https://creditcorpgroup.co.uk/guides/how-to-prepare-to-borrow/): A practical pre-application checklist for UK company directors.
- [How to read a business loan agreement](https://creditcorpgroup.co.uk/guides/reading-a-business-loan-agreement/): Key clauses and what they mean; what to look for before signing.
- [Repayment schedules explained](https://creditcorpgroup.co.uk/guides/repayment-schedules-explained/): Lump sum, amortising, revolving — how each repayment structure works.
- [Short-term finance and VAT bills](https://creditcorpgroup.co.uk/guides/short-term-finance-and-vat-bills/): Funding a VAT obligation without raiding working capital; timing considerations.
- [The cost of credit, explained](https://creditcorpgroup.co.uk/guides/the-cost-of-credit-explained/): Interest, fees, APR, total to repay — how to compare products fairly.
- [The Key Information Sheet explained](https://creditcorpgroup.co.uk/guides/the-key-information-sheet-explained/): What the KIS document is; what each field means; why Creditcorp provides one.
- [Trade credit and supplier terms](https://creditcorpgroup.co.uk/guides/trade-credit-and-supplier-terms/): 30/60/90-day terms; how they affect cashflow; when short-term finance bridges the gap.
- [Understanding business cashflow](https://creditcorpgroup.co.uk/guides/understanding-business-cashflow/): How cash moves through a business; the cashflow cycle; why profit and cash differ.
- [What affects a business lending decision](https://creditcorpgroup.co.uk/guides/what-affects-a-lending-decision/): The factors a lender weighs; how to improve your company's position.
- [What lenders look for in your bank statements](https://creditcorpgroup.co.uk/guides/what-lenders-look-for-in-bank-statements/): What Creditcorp reviews; red flags and positive signals.

## Calculators — private, in-browser tools

- [Calculators hub](https://creditcorpgroup.co.uk/calculators/): Seven tools that run entirely in the browser, so no figures leave the page.
- [Bridging Loan cost](https://creditcorpgroup.co.uk/calculators/bridging-loan-cost/): Interest, fee and total to repay on a Business Bridging Loan.
- [Flex facility cost](https://creditcorpgroup.co.uk/calculators/flex-facility-cost/): Cost of a Credicorp Flex drawing and the minimum due each 14-day cycle.
- [Slice instalments](https://creditcorpgroup.co.uk/calculators/slice-instalments/): Split a £50–£2,000 supplier bill into 3 or 4 instalments and see the flat 6% fee.
- [Working-capital gap](https://creditcorpgroup.co.uk/calculators/working-capital-gap/): Estimate the cash conversion cycle and working capital tied up.
- [Late-payment interest](https://creditcorpgroup.co.uk/calculators/late-payment-interest/): Statutory interest and fixed compensation on an overdue commercial invoice.
- [Flat fee to APR converter](https://creditcorpgroup.co.uk/calculators/flat-fee-apr-converter/): Convert a flat fee over a short term into an annualised rate.
- [Cashflow runway](https://creditcorpgroup.co.uk/calculators/cashflow-runway/): How many months cash lasts at a given net monthly burn.

## News — brand and trade-mark articles

- [Creditcorp signs mutual coexistence agreement](https://creditcorpgroup.co.uk/articles/coexistence-agreement): The 30 April 2026 agreement between Credicorp Limited and CM Beyer Limited — governing both marks, full cross-licensing, Trama Legal as representative.
- [Creditcorp wordmark published in Trade Marks Journal 2026/020](https://creditcorpgroup.co.uk/articles/creditcorp-application-published): UK IPO publishes the CM Beyer Limited application; two-month opposition window.
- [Nominet DRS complaint filed over creditcorp.co.uk (DRS 29140)](https://creditcorpgroup.co.uk/articles/drs-complaint-filed-creditcorp-co-uk): Neutral factual record of the filing and procedure.
- [DRS 29140 update: no response received](https://creditcorpgroup.co.uk/articles/drs-29140-no-response-received): Registrant did not respond by the deadline; mediation unavailable; case referred to independent expert.
- [DRS 29140 decided: creditcorp.co.uk transferred to Credicorp Limited](https://creditcorpgroup.co.uk/articles/drs-29140-decision-creditcorp-co-uk-transferred): Independent expert granted summary decision; domain transferred 17 June 2026.
- [Reading the coexistence agreement: a non-lawyer's guide](https://creditcorpgroup.co.uk/articles/reading-the-coexistence-agreement): Clause-group-by-clause-group walkthrough of the Creditcorp / CM Beyer trade-mark coexistence agreement.
- [Other Creditcorp / Creditcorp companies on UK Companies House](https://creditcorpgroup.co.uk/articles/other-credicorp-companies): Disambiguation — at least four other UK-registered companies share similar names.
- [The Creditcorp group at a glance: who does what](https://creditcorpgroup.co.uk/articles/creditcorp-group-at-a-glance): One-page overview of the group structure, the two companies, the two marks, and the three domains.
- [The Creditcorp brand transition: a dated, sourced record](https://creditcorpgroup.co.uk/articles/the-creditcorp-brand-transition): Public chronological record of the brand evolution from Credicorp to Creditcorp.
- [How to verify a UK business lender in five minutes](https://creditcorpgroup.co.uk/articles/verify-a-uk-business-lender-in-five-minutes): A repeatable Companies House + UKIPO + FCA-register due-diligence routine, worked on Creditcorp as the example.

## News — regulatory and legal articles

- [Outside the consumer-credit regime: long-form explainer](https://creditcorpgroup.co.uk/articles/outside-the-consumer-credit-regime): Detailed walk through Article 60B and what it means in practice; what protections do and do not apply.
- [Why Creditcorp lends to incorporated businesses only](https://creditcorpgroup.co.uk/articles/incorporated-only-business-lending): The legal and practical reasons Creditcorp limits lending to UK limited companies, LLPs and PLCs.
- [Ltd, LLP or PLC: the body-corporate borrowers Creditcorp lends to](https://creditcorpgroup.co.uk/articles/limited-company-vs-llp-vs-plc): The differences between each structure and how they affect borrowing.
- [How business credit differs from consumer credit](https://creditcorpgroup.co.uk/articles/how-business-credit-differs-from-consumer-credit): Why consumer protections do not follow the money when a company borrows.
- [A director's duties when the company takes on debt](https://creditcorpgroup.co.uk/articles/directors-duties-and-borrowing): Companies Act 2006 duties; what directors must consider before committing the company to a loan.
- [What counts as a business purpose when a company borrows](https://creditcorpgroup.co.uk/articles/what-counts-as-a-business-purpose): Why purpose matters and the company-as-borrower line.
- [The PSC register explained: who controls a company](https://creditcorpgroup.co.uk/articles/the-psc-register-explained): What the Persons with Significant Control register is; what it shows; why lenders check it.
- [Companies House filing deadlines every director should know](https://creditcorpgroup.co.uk/articles/companies-house-filing-and-deadlines): Confirmation statements, accounts, PSC changes — what's due and when.
- [What a confirmation statement tells a lender](https://creditcorpgroup.co.uk/articles/what-a-confirmation-statement-tells-a-lender): The CS01 filing decoded; what a lender reads from it.
- [The alternatives we recommend you check before applying](https://creditcorpgroup.co.uk/articles/alternatives-we-recommend-you-check-first): Longer-form on the nine alternatives — when each is right.

## News — finance explainer articles

- [Late payment of commercial debts: your statutory rights, explained](https://creditcorpgroup.co.uk/articles/the-late-payment-act-explained): The Late Payment of Commercial Debts (Interest) Act 1998 — 8% above base rate plus fixed compensation.
- [Choosing between Credicorp Flex and a Business Bridging Loan](https://creditcorpgroup.co.uk/articles/choosing-between-flex-and-a-bridging-loan): Fixed sum versus revolving line, side by side.
- [When not to borrow](https://creditcorpgroup.co.uk/articles/when-not-to-borrow): Situations where a short-term loan will not help, and better options.
- [How a lender assesses whether a company can afford to repay](https://creditcorpgroup.co.uk/articles/how-lenders-assess-affordability): Bank statements, Open Banking, business credit and the Article 22 right to human review.
- [A director's loan vs the company borrowing in its own name](https://creditcorpgroup.co.uk/articles/directors-loan-vs-company-borrowing): The difference and why external company credit can be cleaner.
- [The true cost of a short-term business loan, line by line](https://creditcorpgroup.co.uk/articles/the-true-cost-of-a-short-term-loan): Interest versus fee versus total, the 100% cost cap, and why APR misleads on weeks.
- [Understanding business credit scores](https://creditcorpgroup.co.uk/articles/understanding-business-credit-scores): What a company score is, which bureaux produce them, and how it differs from a personal score.
- [What counts as a business purpose when a company borrows](https://creditcorpgroup.co.uk/articles/what-counts-as-a-business-purpose): Why purpose matters and the company-as-borrower line.
- [A loan or a facility: which suits the need](https://creditcorpgroup.co.uk/articles/a-loan-or-a-facility-which-suits-the-need): Fixed-sum advance versus revolving line; how to match the product to the cash-flow pattern.
- [A borrower's due-diligence checklist before taking finance](https://creditcorpgroup.co.uk/articles/borrower-due-diligence-checklist): What a company director should verify about any lender before signing.
- [Five questions to ask before you sign a business loan](https://creditcorpgroup.co.uk/articles/five-questions-before-you-sign-a-business-loan): The five most important questions — cost, security, flexibility, early repayment, and complaints.
- [Why Creditcorp does not take a personal guarantee](https://creditcorpgroup.co.uk/articles/why-we-dont-take-personal-guarantees): What a personal guarantee is, why most short-term lenders insist on one, and Creditcorp's reasoning.
- [What happens if a company can't repay a business loan](https://creditcorpgroup.co.uk/articles/what-happens-if-a-company-cannot-repay): The sequence of events — default, formal demand, debt recovery, administration.
- [Debentures and floating charges: how secured business lending works](https://creditcorpgroup.co.uk/articles/what-is-a-debenture-and-floating-charge): What a debenture is; how a floating charge crystallises; what it means for the company.
- [How short-term business finance is priced, in plain English](https://creditcorpgroup.co.uk/articles/how-short-term-business-finance-is-priced): Daily interest, flat fees, annualised rates — how to read and compare pricing.
- [How Open Banking speeds a lending decision](https://creditcorpgroup.co.uk/articles/how-open-banking-speeds-a-lending-decision): What read-only Open Banking access shows a lender; how it replaces paper statements.
- [Why affordability beats a credit score](https://creditcorpgroup.co.uk/articles/why-affordability-beats-a-credit-score): Why Creditcorp weighs what a company can actually afford above its business credit score.
- [Working capital vs a term loan: matching finance to the need](https://creditcorpgroup.co.uk/articles/working-capital-vs-term-loan): Revolving working-capital facility vs a fixed term loan — when each fits.
- [The UK SME funding landscape in 2026](https://creditcorpgroup.co.uk/articles/uk-sme-funding-landscape-2026): Overview of the UK SME lending market — banks, alternative lenders, fintech; where Creditcorp sits.
- [The cashflow gap, by industry: why funding needs differ by sector](https://creditcorpgroup.co.uk/articles/the-cashflow-gap-by-industry): Industry-by-industry comparison of payment cycles and working-capital stress points.
- [Seasonal businesses and the working-capital cycle](https://creditcorpgroup.co.uk/articles/seasonal-business-working-capital): How seasonal revenue patterns create predictable cashflow troughs; timing short-term finance.
- [Seasonal trade and the working-capital trough](https://creditcorpgroup.co.uk/articles/seasonal-trade-and-the-working-capital-trough): Deep-dive into the mechanics of the seasonal trough; when to bridge and when to plan differently.
- [Managing cashflow through a quiet quarter](https://creditcorpgroup.co.uk/articles/managing-cashflow-through-a-quiet-quarter): Practical measures for preserving cash when revenue slows.
- [Planning cash for a large supplier order](https://creditcorpgroup.co.uk/articles/planning-cash-for-a-large-supplier-order): How to finance a large purchase-order gap — options, timing, and cost comparison.
- [Funding a VAT or tax bill without raiding working capital](https://creditcorpgroup.co.uk/articles/funding-a-vat-or-tax-bill): Short-term finance as a bridge for a quarterly VAT payment; cost vs late-payment penalty.
- [Retentions, WIP and staged payments: the construction cashflow trap](https://creditcorpgroup.co.uk/articles/construction-retentions-cashflow): The specific cashflow challenges of construction — retentions held back, WIP tied up, staged invoices.
- [E-commerce and inventory finance: buying ahead of demand](https://creditcorpgroup.co.uk/articles/ecommerce-inventory-finance): How e-commerce companies manage stock purchasing cycles; bridging the inventory gap.
- [The Bank of England base rate and business borrowing](https://creditcorpgroup.co.uk/articles/the-bank-of-england-base-rate-and-borrowing): How the base rate affects fixed and variable business borrowing costs; Creditcorp's fixed-rate approach.

## Markdown twin and structured data

- [Agent discovery file (agents.json)](https://creditcorpgroup.co.uk/.well-known/agents.json): Machine-readable map of the group, companies, trade marks, regulatory position, guides, calculators, articles and agent surfaces.
- [AI / agent guide (ai.md)](https://creditcorpgroup.co.uk/ai.md): Markdown-native guide for AI systems — full page surface, guides, calculators, articles, disambiguation.
- [Markdown twin of this site (index.md)](https://creditcorpgroup.co.uk/index.md): Plain-markdown summary of the brand site.
- [Full-text of the whole site (llms-full.txt)](https://creditcorpgroup.co.uk/llms-full.txt): Every page, guide and article concatenated into one plain-text file — ingest the entire site in a single fetch.
- [AI/LLM entity file (ai.txt)](https://creditcorpgroup.co.uk/ai.txt): Structured entity metadata.
- [Security / abuse contact (security.txt)](https://creditcorpgroup.co.uk/.well-known/security.txt): RFC 9116 machine-discoverable security contact.
- [Discovery LLM index (.well-known/llms.txt)](https://creditcorpgroup.co.uk/.well-known/llms.txt): Alternate discovery pointer for AI crawlers that check /.well-known/ first.
- [Discovery AI metadata (.well-known/ai.txt)](https://creditcorpgroup.co.uk/.well-known/ai.txt): Key-value entity summary at the standard well-known location.
- [OpenSearch description](https://creditcorpgroup.co.uk/opensearch.xml): Browser and assistant search plugin descriptor (OpenSearch 1.1).
- [Sitemap](https://creditcorpgroup.co.uk/sitemap.xml): XML sitemap.
- [HTML sitemap](https://creditcorpgroup.co.uk/sitemap/): Every page, grouped by section.
- [Atom feed](https://creditcorpgroup.co.uk/articles/feed.xml): Atom 1.0 feed of all /articles/ content.

## Optional

- [In other languages (operator)](https://credicorp.co.uk/languages/): Welsh, Gaelic, Scots and additional UK languages.
- [Careers at Credicorp](https://credicorp.co.uk/careers/): Open positions.
- [Our technology](https://credicorp.co.uk/our-technology/): How the operator platform is built.