Search — Creditcorp Group

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Seasonal businesses and the working-capital cycle

13 Jun 2026. How hospitality, retail and agriculture manage the working-capital cycle of seasonal peaks and troughs, and where a short company-level bridge fits.

/articles/seasonal-business-working-capital

Articles

The cashflow gap, by industry: why funding needs differ by sector

21 June 2026. Why a company's working-capital gap is shaped by its sector, marking the new Creditcorp industry guides — retail, hospitality, construction, logistics and professional services.

/articles/the-cashflow-gap-by-industry

Articles

The Creditcorp mark nears the end of its opposition window

3 July 2026. The Creditcorp wordmark (UK00004379570), published 15 May 2026, approaches the close of its two-month opposition window around 15 July 2026 — a precise, primary-source note on what registration status the mark has, and does not yet have.

/articles/creditcorp-mark-opposition-window-closing

Articles

Late payment and the working-capital squeeze: the follow-through

1 July 2026. The practical follow-through to the late-payment explainer: clean invoicing, a consistent written chase sequence, quoting the statutory figure, and bridging a dated gap only when the timing genuinely demands it.

/articles/late-payment-and-the-working-capital-squeeze

Articles

The Creditcorp group at a glance: who does what

28 May 2026. Group-structure recap — Credicorp Limited lends 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 under one shared sole director.

/articles/creditcorp-group-at-a-glance

Articles

E-commerce and inventory finance: buying ahead of demand

2 June 2026. The cash-conversion cycle behind inventory finance for online retailers — why growth widens the gap, the pre-peak squeeze, and where small, short-term, body-corporate-only working capital fits.

/articles/ecommerce-inventory-finance

Articles

Retentions, WIP and staged payments: the construction cashflow trap

16 Jun 2026. Why construction firms run out of cash while busy and profitable — retentions, work-in-progress and staged payments — and where a short, no-personal-guarantee bridge for incorporated contractors fits.

/articles/construction-retentions-cashflow

Articles

Working capital vs a term loan: matching finance to the need

20 June 2026. Plain-English comparison of working capital finance and a term loan — what each is for, where short-term working capital fits, and a simple test for matching finance to need.

/articles/working-capital-vs-term-loan

Articles

How short-term business finance is priced, in plain English

11 Jun 2026. The real cost drivers behind short-duration business lending — fixed origination work, the cost of money, default risk, term length and the regulatory perimeter — with no invented rates; live figures sit with the operator.

/articles/how-short-term-business-finance-is-priced

Articles

The Creditcorp brand transition: a dated, sourced record

21 June 2026. The corporate-record account of the Creditcorp-to-Creditcorp brand transition: registered Creditcorp mark (UK00004156742), pending Creditcorp mark (UK00004379570, CM Beyer Limited), 30 April 2026 coexistence agreement, both marks in active use; operator continues at credicorp.co.uk for now.

/articles/the-creditcorp-brand-transition

Articles

Creditcorp signs mutual coexistence agreement with sister company CM Beyer

30 April 2026. Two related UK companies under common directorship confirm full cross-licensing of the Creditcorp and Creditcorp trade marks.

/articles/coexistence-agreement

Articles

Creditcorp wordmark published in Trade Marks Journal 2026/020

15 May 2026. UKIPO publishes the CM Beyer Limited application; two-month opposition window closes ~15 July 2026.

/articles/creditcorp-application-published

Articles

Nominet DRS complaint filed over the creditcorp.co.uk domain

30 April 2026. DRS 29140: Credicorp Limited asks Nominet to transfer the creditcorp.co.uk domain. Factual record of the filing and procedure.

/articles/drs-complaint-filed-creditcorp-co-uk

Articles

DRS 29140 update: no response received

26 May 2026. The registrant did not respond; mediation unavailable; the complaint may go to an independent expert. Procedure only; ongoing.

/articles/drs-29140-no-response-received

Articles

Why Creditcorp lends to incorporated businesses only

18 Jun 2026. Creditcorp lends to UK incorporated businesses only — Ltd, LLP and PLC. The company is the borrower, not a director or sole trader; why that perimeter exists and who can apply.

/articles/incorporated-only-business-lending

Articles

DRS 29140 decided: creditcorp.co.uk transferred to Credicorp Limited

17 June 2026. Independent expert granted a summary decision — rights established, abusive registration found. Domain transferred to Credicorp Limited; decision dated 2 June 2026.

/articles/drs-29140-decision-creditcorp-co-uk-transferred

Legal

Legal and policies

Brand-site policy hub with privacy, cookies, terms, accessibility, and the separate operator policy route.

/legal/

Legal

Privacy notice

Privacy notice for the brand site. Controller: CM Beyer Limited. Operator privacy at credicorp.co.uk.

/legal/privacy/

Legal

Cookies

Strictly-necessary cookies only by default; analytics/marketing cookies opt-in.

/legal/cookies/

Legal

Terms of use

Terms of use for the brand site only — not loan terms or a service contract.

/legal/terms/

Legal

Accessibility

Accessibility statement; WCAG 2.1 AA target; known limitations.

/legal/accessibility/

People

Trama Legal s.r.o. — UK IPO representative

UK IPO representative for both Creditcorp Group trade marks. Address, role, clause 16.2 of the coexistence agreement.

/trama-legal/

Reference

Timeline

Public events in the Creditcorp Group story, in chronological order — incorporations, trade-mark filings, registrations, agreement signing.

/timeline/

Reference

Resources

Curated external resources for verifying our facts — Companies House, UKIPO, primary statute, FCA register, FOS, FSCS, and related UK SME credit references.

/resources/

Reference

FAQ

Consolidated frequently-asked-questions landing with deep links to the full answers on the topic pages.

/faq/

Articles

Outside the consumer-credit regime: a longer-form explainer

28 May 2026. Long-form walk through Article 60B and what it means in practice for body-corporate borrowers.

/articles/outside-the-consumer-credit-regime

Articles

Why Creditcorp does not take a personal guarantee

28 May 2026. Why personal guarantees exist, what they do, and why Creditcorp deliberately does not take one.

/articles/why-we-dont-take-personal-guarantees

Articles

The UK SME funding landscape in 2026

9 Jun 2026. A map of how UK small businesses fund themselves — banks, alternative finance, cards/overdrafts, invoice and asset finance — and where a small, short-term body-corporate lender sits.

/articles/uk-sme-funding-landscape-2026

Articles

How to verify a UK business lender in five minutes

28 May 2026. Companies House, UKIPO, FCA register, structural questions; worked on Creditcorp as the example.

/articles/verify-a-uk-business-lender-in-five-minutes

Articles

A borrower’s due-diligence checklist before taking finance

5 Jun 2026. Borrower-side companion to verifying a lender: who you are dealing with, what you are signing, how the money behaves, how it ends.

/articles/borrower-due-diligence-checklist

Articles

Reading the coexistence agreement: a non-lawyer's guide

28 May 2026. Clause-group-by-clause-group tour of the trade-mark coexistence agreement.

/articles/reading-the-coexistence-agreement

Articles

Other Creditcorp / Creditcorp companies on UK Companies House

28 May 2026. Disambiguation: at least four other UK-registered companies share similar names; here is how to tell which is ours.

/articles/other-credicorp-companies

Articles

The alternatives we recommend you check before applying

28 May 2026. The operator's nine recommended alternatives, longer-form: who each is right for.

/articles/alternatives-we-recommend-you-check-first

Reference

Press

Press / journalist landing — quick facts, verifiable sources, press contact for trade-mark queries via Trama Legal s.r.o.

/press/

Reference

Security

Security signals across the group — brand-site CSP and security headers; operator-side signed PDFs, audit log, Open Banking, Stripe.

/security/

Reference

Atom feed (/articles/feed.xml)

Atom 1.0 feed for the brand-site articles index. Subscribe in any feed reader.

/articles/feed.xml

Guides

Plain-English guides to business finance for directors of UK limited companies, LLPs and PLCs — the products, the alternatives, and how to weigh cost.

/guides/

Guides

Business bridging loans explained

What a short-term business bridging loan is, when it fits a UK company, the Creditcorp Bridging Loan terms, worked examples, and where a bridge does not fit.

/guides/business-bridging-loans-explained/

Guides

Revolving credit facilities explained

How a revolving facility such as Creditcorp Flex works against a fixed loan — drawing, repaying and redrawing, with interest on the drawn balance only.

/guides/revolving-credit-facilities-explained/

Guides

Paying suppliers in instalments

How a company can spread a supplier bill with Creditcorp Slice — the supplier is paid in full today, the company repays over a fixed plan for a flat fee.

/guides/paying-suppliers-in-instalments/

Guides

Invoice finance explained

A plain-English explainer of invoice finance, factoring and discounting — a finance type Creditcorp does not offer — and how it compares to a short bridge.

/guides/invoice-finance-explained/

Guides

Asset finance explained

Hire purchase versus leasing for business equipment — a finance type Creditcorp does not offer — and how it differs from short-term working capital.

/guides/asset-finance-explained/

Guides

Merchant cash advances explained

What a merchant cash advance is — repayment as a percentage of card takings — a finance type Creditcorp does not offer, and how it compares to a company loan.

/guides/merchant-cash-advances-explained/

Guides

Business overdrafts and the alternatives

What a business overdraft is, why incorporated borrowers find them harder to get, and the alternatives — cards, short bridges, invoice and asset finance.

/guides/business-overdrafts-and-alternatives/

Guides

Business credit cards explained

How a business credit card works against short-term company borrowing — revolving credit, the interest-free window, suitability, and who the borrower is.

/guides/business-credit-cards-explained/

Guides

Flat fees versus APR

How a flat fee differs from an APR or daily-interest product, why APR can mislead on very short terms, and how to compare short-term borrowing like for like.

/guides/flat-fees-vs-apr/

Guides

Cost caps explained

What a 100% cost cap means — the total cost of borrowing never exceeds the amount borrowed — and how the cap protects a company borrower.

/guides/cost-caps-explained/

Guides

Secured versus unsecured business borrowing

Secured versus unsecured business credit, what a debenture or charge is, and what no personal guarantee means in practice for a UK company.

/guides/secured-vs-unsecured-business-borrowing/

Guides

Personal guarantees explained

What a personal guarantee is, how it turns company debt into personal debt for a director, and why Creditcorp does not take one.

/guides/personal-guarantees-explained/

Guides

Building business creditworthiness

Practical steps a UK company can take to be more creditworthy — filing at Companies House on time, bank discipline, trade-credit history and the business bureaux.

/guides/building-business-creditworthiness/

Guides

Open Banking for business finance

What Open Banking is, what read-only access to your business bank statements does and does not read, and how it speeds an affordability check.

/guides/open-banking-for-business-finance/

Guides

The cash conversion cycle

Receivables days plus inventory days minus payables days — why a profitable company can still run short of cash, with a worked example.

/guides/the-cash-conversion-cycle/

Guides

Choosing the right business finance

A decision guide for directors — match the shape of finance to the shape of the need, with a comparison table of finance types.

/guides/choosing-the-right-business-finance/

Calculators

Business finance calculators

Seven private, in-browser tools to size and cost business finance — product cost calculators plus working-capital, late-payment, APR and runway tools.

/calculators/

Calculators

Bridging Loan cost calculator

Work out the interest, fee and total to repay on a Business Bridging Loan of £50–£500 over 14–84 days at 0.25% per day, capped at 100%.

/calculators/bridging-loan-cost/

Calculators

Flex facility cost calculator

See the cost of a single Creditcorp Flex drawing and the minimum payment due each 14-day cycle — interest on the drawn balance only.

/calculators/flex-facility-cost/

Calculators

Slice instalment calculator

Split a £50–£2,000 supplier bill into 3 or 4 instalments and see the flat 6% fee, the total and the amount per instalment.

/calculators/slice-instalments/

Calculators

Working-capital gap calculator

Estimate your cash conversion cycle and roughly how much working capital your trade ties up at any one time. A planning tool.

/calculators/working-capital-gap/

Calculators

Late-payment interest calculator

Work out the statutory interest (8% plus base rate) and fixed compensation you can claim on an overdue commercial invoice.

/calculators/late-payment-interest/

Calculators

Flat fee to APR converter

Convert a flat fee over a short term into an annualised rate, and see why APR overstates the cash cost of very short borrowing.

/calculators/flat-fee-apr-converter/

Calculators

Cashflow runway calculator

See how many months your company cash lasts at a given net monthly burn — a quick planning check before you borrow.

/calculators/cashflow-runway/

Articles

Late payment of commercial debts: your statutory rights, explained

22 June 2026. The Late Payment of Commercial Debts (Interest) Act 1998 — statutory interest at 8% above base rate and fixed compensation of £40, £70 or £100.

/articles/the-late-payment-act-explained

Articles

Choosing between Creditcorp Flex and a Business Bridging Loan

22 June 2026. Fixed sum versus revolving line — the Business Bridging Loan and Creditcorp Flex compared side by side, with a plain comparison table.

/articles/choosing-between-flex-and-a-bridging-loan

Articles

When not to borrow: signs a short-term loan is the wrong answer

21 June 2026. A non-promotional list of situations where a short-term loan will not help — and the cheaper or better options to reach for instead.

/articles/when-not-to-borrow

Articles

How a lender assesses whether a company can afford to repay

21 June 2026. Bank statements, Open Banking, business credit and track record; why people not just algorithms decide; and the right to human review.

/articles/how-lenders-assess-affordability

Articles

A director’s loan vs the company borrowing in its own name

20 June 2026. The difference between a director’s loan and external company borrowing, and why external company credit can be the cleaner route.

/articles/directors-loan-vs-company-borrowing

Articles

The true cost of a short-term business loan, line by line

20 June 2026. Interest versus fee versus total, the 100% cost cap, and why a headline APR misleads on a loan that lasts weeks.

/articles/the-true-cost-of-a-short-term-loan

Articles

Understanding business credit scores: what a company score is and isn’t

19 June 2026. What a UK business credit score is, which bureaux produce them, and how it differs from a director’s personal score.

/articles/understanding-business-credit-scores

Articles

What counts as a “business purpose” when a company borrows

19 June 2026. Why the purpose matters, examples of qualifying business uses, and the company-as-borrower line that keeps lending outside the consumer-credit regime.

/articles/what-counts-as-a-business-purpose

Guides

Debentures and charges explained

What a debenture is, fixed vs floating charges, registration at Companies House, and why Creditcorp lends without security or a personal guarantee.

/guides/debentures-and-charges-explained/

Guides

Company credit files and the business bureaux

How a company credit file works, the UK business bureaux, what feeds a company score, and practical steps to improve it.

/guides/company-credit-files-and-bureaux/

Guides

How to read a business loan agreement

The parts of a business loan agreement — parties, amount, charges, term, default and the company as sole obligor. A general explainer, not advice.

/guides/reading-a-business-loan-agreement/

Guides

The Key Information Sheet explained

What a Key Information Sheet is, why a clear pre-contract summary matters, and what a good one sets out before a company signs.

/guides/the-key-information-sheet-explained/

Guides

Early repayment and refunds

How early repayment works on short company credit — no penalty, how the 100% cost cap bounds it, and how Slice refunds an unused fee.

/guides/early-repayment-and-refunds/

Guides

Borrowing as a new company

Finance options for newer UK companies, an honest note that Creditcorp needs six months trading, and what younger companies can do meanwhile.

/guides/borrowing-as-a-new-company/

Guides

Business finance for seasonal trade

Managing the seasonal working-capital cycle — why the trough not the peak is the danger, and where a short company bridge fits.

/guides/business-finance-for-seasonal-trade/

Guides

Avoiding over-borrowing

A disciplined, non-promotional guide to right-sizing company borrowing — borrow for a time-boxed need, match term to need, leave headroom.

/guides/avoiding-over-borrowing/

Articles

Funding a VAT or tax bill without raiding working capital

19 June 2026. Why tax bills bunch up cashflow, the options — saving ahead, Time to Pay, short company finance — and where a small bridge fits.

/articles/funding-a-vat-or-tax-bill

Articles

A director’s duties when the company takes on debt

14 June 2026. The general Companies Act 2006 duties as they bear on borrowing — act within powers, promote success, exercise care. General, not advice.

/articles/directors-duties-and-borrowing

Articles

Debentures and floating charges: how secured business lending works

12 June 2026. What a debenture is, fixed vs floating charges, registration at Companies House, and how this differs from Creditcorp’s unsecured position.

/articles/what-is-a-debenture-and-floating-charge

Articles

Companies House filing deadlines every director should know

10 June 2026. Annual accounts, the confirmation statement, late-filing penalties, and why a clean filing record helps a company’s credit standing.

/articles/companies-house-filing-and-deadlines

Articles

The PSC register explained: who controls a company

8 June 2026. Persons with significant control, why lenders and counterparties check the register, and how to keep yours accurate.

/articles/the-psc-register-explained

Articles

Ltd, LLP or PLC: the body-corporate borrowers Creditcorp lends to

7 June 2026. The three incorporated forms, how they differ, and why each is a body corporate that can borrow in its own name.

/articles/limited-company-vs-llp-vs-plc

Articles

How business credit differs from consumer credit

6 June 2026. The regulatory line, what protections do and do not apply, and why body-corporate lending sits outside the consumer-credit regime.

/articles/how-business-credit-differs-from-consumer-credit

Articles

What happens if a company can’t repay a business loan

4 June 2026. The realistic process, talking to the lender early, why Creditcorp takes no personal guarantee, and where hardship help sits.

/articles/what-happens-if-a-company-cannot-repay

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