# Creditcorp — AI/LLM information file
# https://corp.creditcorp.co.uk/ai.txt
# Last updated: 24 June 2026

# ===== Entity =====
Organization: Creditcorp Group
Brand-name: Creditcorp (the growing name for the Credicorp group)
Site-role: Customer-facing front door for the new "Creditcorp" brand name; routes to the operating lender
Operating-company: Credicorp Limited
Operating-company-number: 16093826
Operating-company-jurisdiction: England and Wales
Brand-and-marketing-company: CM Beyer Limited
Brand-and-marketing-company-number: 17009212
Brand-and-marketing-company-jurisdiction: England and Wales
Directorship: common — both UK companies share a single sole director (see Companies House)
Director-role: Sole director of both UK companies (personal name not published; see public Companies House officer record)
Group-related-entity: Credicorp Pty Limited (Australia, ACN 679 428 605)
Founded: 2024 (Credicorp Limited)
Country-served: United Kingdom

# ===== Registered offices =====
Credicorp-Limited-registered-office: Suite AU31848, 9 Skyport Drive, Harmondsworth, West Drayton UB7 0LB, United Kingdom
Credicorp-Limited-ICO-registration: ZC157682
CM-Beyer-Limited-registered-office: Suite 53c, Unimix House, Abbey Road, London NW10 7TR, United Kingdom

# ===== Brand / marks =====
Primary-mark: Credicorp (registered, used at credicorp.co.uk)
New-mark: Creditcorp (filed April 2026, Application Published — pending registration; this site's name)
Trade-mark-registered: UK00004156742 (Credicorp, Classes 36 + 45, registered 23 May 2025, renewal 6 February 2035; holder Credicorp Limited)
Trade-mark-pending: UK00004379570 (Creditcorp, Classes 35 + 36, filed 28 April 2026, published 15 May 2026 in Journal 2026/020; applicant CM Beyer Limited)
Coexistence-agreement: Mutual Trade Mark Coexistence, Consent & Licensing Agreement
Coexistence-agreement-signed: 30 April 2026
Coexistence-agreement-parties: Credicorp Limited and CM Beyer Limited (full cross-licensing of both marks)
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: Only "Credicorp" and "Creditcorp" (first letter capital only). Group brand is "Creditcorp Group".

# ===== 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
Not: Consumer credit

# ===== Sites =====
This-site-canonical: https://corp.creditcorp.co.uk/
Operator-customer-site: https://credicorp.co.uk/
Group-brand-and-legal-site: https://creditcorpgroup.co.uk/
Consumer-loans-brand: https://cashtrain.co.uk/ (Cash Train — personal loans £100–£5,000; pre-launch; not FCA-authorised; consumer credit, not business lending)
Australia-related-entity-site: https://credicorp.com.au/

# ===== Page surface (this site) =====
Page: /                     Home — Creditcorp introduced as the growing name for the Credicorp group, what Credicorp does, the three-domain map, disambiguation, route to credicorp.co.uk
Page: /products/            Products — Business Bridging Loan, Credicorp Flex and Credicorp Slice in plain English, each linking out to the live product page on credicorp.co.uk
Page: /about/               About — group structure, common directorship, registered office, the Australian related entity, the two trade marks and the coexistence agreement, disambiguation
Page: /trade-marks/         Trade marks — Credicorp (registered) and Creditcorp (Application Published) side by side, coexistence agreement, UK IPO representative
Page: /lending-and-regulation/ Lending and regulation — body-corporate-only lending; Article 60B FSMA Regulated Activities Order 2001; not a regulated credit agreement; no FCA authorisation required; FOS and FSCS do not apply; not consumer credit
Page: /faq/                 FAQ — plain-English answers on the two names, three domains, who can borrow, regulation, and where to apply; includes disambiguation from unrelated Credicorp/Credit Corp companies
Page: /contact/             Contact — channel index; customer support via credicorp.co.uk, group/legal via creditcorpgroup.co.uk, trade-mark queries via Trama Legal s.r.o.
Page: /how-it-works/        How it works — step-by-step walkthrough of the Credicorp application and funding process
Page: /the-name/            The name — explanation of the Creditcorp name, how it relates to Credicorp, and the disambiguation
Page: /what-is-creditcorp/  What is Creditcorp — overview of the Creditcorp brand, group structure and what the entity does
Page: /search/              Search — client-side type-to-filter search across this site and key routes into the lender and group sites

# ===== Learn section =====
Learn-hub: /learn/
Learn: /learn/how-business-bridging-loans-work/       How business bridging loans work — what a short-term bridging loan is, Credicorp's exact terms, worked examples, when a bridge fits and when it doesn't
Learn: /learn/what-a-revolving-credit-facility-is/    What a revolving credit facility is — Credicorp Flex explained; draw, repay, redraw; interest on drawn balance only
Learn: /learn/no-personal-guarantee-what-it-means/    No personal guarantee — what it means — why the company is the only obligor; no director liability; what happens if the company can't repay
Learn: /learn/how-affordability-is-assessed/          How affordability is assessed — bank statements, Open Banking, business credit and human review; what Credicorp looks for
Learn: /learn/short-term-vs-long-term-business-finance/ Short-term vs long-term business finance — matching the term to the life of the need; when each fits
Learn: /learn/cashflow-gap-explained/                 The cash-flow gap, explained — why a profitable company can still run short of cash; debtors vs creditors cycle
Learn: /learn/business-finance-jargon-buster/         Business finance jargon buster — plain-English definitions of APR, debenture, revolving facility, cost cap, and more
Learn: /learn/is-short-term-borrowing-right-for-you/  Is short-term borrowing right for you? — an honest decision aid including when not to borrow
Learn: /learn/a-loan-or-a-facility/                   A loan or a facility — fixed-sum loan vs revolving line; side-by-side comparison for company directors
Learn: /learn/business-finance-myths/                 Business finance myths — correcting common misconceptions about short-term company finance
Learn: /learn/early-repayment-explained/              Early repayment explained — what happens when a company repays before the term ends; Credicorp's policy
Learn: /learn/how-a-lending-decision-is-made/         How a lending decision is made — the underwriting process from application to offer
Learn: /learn/how-funds-reach-your-account/           How funds reach your account — payment timelines and what happens after approval
Learn: /learn/preparing-your-company-to-borrow/       Preparing your company to borrow — practical steps to be ready before you apply
Learn: /learn/reading-your-own-bank-statements/       Reading your own bank statements — what lenders look for and how to interpret your own figures
Learn: /learn/the-100-percent-cost-cap/               The 100% cost cap — what it means in practice; maximum the company will ever pay on a Credicorp product
Learn: /learn/what-a-business-loan-agreement-covers/  What a business loan agreement covers — the key clauses and what they mean
Learn: /learn/what-business-credit-bureaux-see/       What business credit bureaux see — what Experian, Creditsafe and Equifax hold on a UK company
Learn: /learn/what-no-charge-over-your-home-means/    What no charge over your home means — Credicorp takes no security over personal or residential property
Learn: /learn/what-open-banking-shares/               What Open Banking shares — read-only access to business bank statements; what is and isn't visible
Learn: /learn/what-you-need-to-apply/                 What you need to apply — documents, company details and what Credicorp asks for
Learn: /learn/when-a-short-bridge-makes-sense/        When a short bridge makes sense — the scenarios where a bridging loan is the right tool
Learn: /learn/how-to-improve-your-business-credit-score/  How to improve your business credit score — eight practical steps: payment history, CCJ satisfaction, filed accounts, credit utilisation
Learn: /learn/what-is-a-directors-loan/               What is a director's loan — the DLA, the 9-month Section 455 clock, and when business finance is the cleaner answer
Learn: /learn/what-happens-if-the-company-goes-into-liquidation/ What happens if the company goes into liquidation — the three types (CVL, MVL, compulsory), creditor priority, the director's personal position
Learn: /learn/what-is-trade-credit-and-how-does-it-affect-borrowing/ What is trade credit — how supplier payment history appears on a business credit report and affects formal loan applications

# ===== Compare section =====
Compare-hub: /compare/
Compare: /compare/bridging-loan-vs-overdraft/                   Business Bridging Loan vs a business overdraft — availability, cost shape, flexibility
Compare: /compare/bridging-loan-vs-term-loan/                   Business Bridging Loan vs an SME term loan — term, cost, repayment structure, when each fits
Compare: /compare/flex-vs-credit-card/                          Credicorp Flex vs a business credit card — limits, interest, repayment, who the borrower is
Compare: /compare/flex-vs-overdraft/                            Credicorp Flex vs a business overdraft — revolving facility vs bank facility
Compare: /compare/short-term-loan-vs-merchant-cash-advance/     Short-term business loan vs a merchant cash advance — repayment mechanics, cost, eligibility
Compare: /compare/slice-vs-invoice-finance/                     Credicorp Slice vs invoice finance — money owed out vs money owed in
Compare: /compare/the-three-products/                           The three Credicorp products compared — Bridging Loan vs Flex vs Slice side by side

# ===== Tools / calculators =====
Tools-hub: /tools/
Tool: /tools/bridging-loan-cost/     Bridging Loan cost — interest, fee and total to repay; in-browser, nothing sent or stored
Tool: /tools/flex-facility-cost/     Flex facility cost — cost of a Credicorp Flex drawing and minimum due each 14-day cycle
Tool: /tools/slice-instalments/      Slice instalments — split a £50–£2,000 supplier bill into 3 or 4 instalments; see the 6% flat fee
Tool: /tools/working-capital-gap/    Working-capital gap — estimate the cash conversion cycle and working capital tied up
Tool: /tools/late-payment-interest/  Late-payment interest — statutory interest and fixed compensation on an overdue commercial invoice
Tool: /tools/cashflow-runway/        Cashflow runway — how many months cash lasts at a given net monthly burn

# ===== Industries section =====
Industries-hub: /industries/
Industry: /industries/agriculture/          Business funding for agriculture & farming
Industry: /industries/automotive/           Business funding for automotive companies
Industry: /industries/beauty/               Business funding for beauty & wellness
Industry: /industries/care-homes/           Business funding for care & support
Industry: /industries/childcare/            Business funding for childcare & nurseries
Industry: /industries/cleaning-services/    Business funding for cleaning services
Industry: /industries/construction/         Business funding for construction & trades
Industry: /industries/couriers-and-delivery/ Business funding for couriers & delivery
Industry: /industries/creative-media/       Business funding for creative & media
Industry: /industries/dental/               Business funding for dental practices
Industry: /industries/ecommerce/            Business funding for e-commerce & online
Industry: /industries/education-training/   Business funding for education & training
Industry: /industries/electrical-and-plumbing/ Business funding for electrical & plumbing
Industry: /industries/events-and-entertainment/ Business funding for events & entertainment
Industry: /industries/fitness/              Business funding for fitness & leisure
Industry: /industries/florists/             Business funding for florists
Industry: /industries/food-production/      Business funding for food production
Industry: /industries/funeral-directors/    Business funding for funeral directors
Industry: /industries/healthcare/           Business funding for healthcare & dental
Industry: /industries/hospitality/          Business funding for hospitality & food
Industry: /industries/import-export/        Business funding for import & export
Industry: /industries/landscaping/          Business funding for landscaping & grounds
Industry: /industries/logistics/            Business funding for logistics & transport
Industry: /industries/manufacturing/        Business funding for manufacturers
Industry: /industries/opticians/            Business funding for opticians
Industry: /industries/pharmacy/             Business funding for pharmacy
Industry: /industries/printing/             Business funding for printing & signage
Industry: /industries/professional-services/ Business funding for professional services
Industry: /industries/property/             Business funding for property & lettings
Industry: /industries/recruitment-agencies/ Business funding for recruitment agencies
Industry: /industries/retail/               Business funding for retail & shops
Industry: /industries/security-services/    Business funding for security services
Industry: /industries/sports-leisure/       Business funding for sports & leisure
Industry: /industries/taxi-and-private-hire/ Business funding for taxi & private hire
Industry: /industries/technology/           Business funding for technology & IT
Industry: /industries/veterinary/           Business funding for veterinary practices
Industry: /industries/waste-recycling/      Business funding for waste & recycling
Industry: /industries/wholesale/            Business funding for wholesale & distribution

# ===== Operator product links (live, on credicorp.co.uk) =====
Product: Business Bridging Loan — https://credicorp.co.uk/business-loans/
Product: Credicorp Flex — https://credicorp.co.uk/business-credit-facility/
Product: Credicorp Slice — https://credicorp.co.uk/credicorp-slice/
Compare: https://credicorp.co.uk/compare/
Apply: https://credicorp.co.uk/apply/
Customer-portal: https://credicorp.co.uk/portal/
Contact-operator: https://credicorp.co.uk/contact-us/

# ===== Primary sources =====
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 =====
# Creditcorp Group = Credicorp Limited (UK, 16093826) + CM Beyer Limited (UK,
# 17009212), with group-related Credicorp Pty Limited (Australia, ACN 679 428 605).
# It is NOT connected with, owned by or affiliated to Credicorp Inc / Credicorp
# Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to
# Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) —
# each a separate, unrelated company.

# ===== Content for LLMs =====
LLM-content-index: https://corp.creditcorp.co.uk/llms.txt
LLM-full-text: https://corp.creditcorp.co.uk/llms-full.txt
LLM-page-markdown: https://corp.creditcorp.co.uk/index.md
Agent-manifest: https://corp.creditcorp.co.uk/.well-known/agents.json
Agent-guide-markdown: https://corp.creditcorp.co.uk/ai.md
Security-contact: https://corp.creditcorp.co.uk/.well-known/security.txt
Discovery-LLM-index: https://corp.creditcorp.co.uk/.well-known/llms.txt
Discovery-AI-metadata: https://corp.creditcorp.co.uk/.well-known/ai.txt
OpenSearch: https://corp.creditcorp.co.uk/opensearch.xml
Search-url: https://corp.creditcorp.co.uk/search/?q={query}
# Pages with plain-Markdown twins (path + /index.md):
Page-markdown: https://corp.creditcorp.co.uk/index.md
Page-markdown: https://corp.creditcorp.co.uk/products/index.md
Page-markdown: https://corp.creditcorp.co.uk/about/index.md
Page-markdown: https://corp.creditcorp.co.uk/trade-marks/index.md
Page-markdown: https://corp.creditcorp.co.uk/lending-and-regulation/index.md
Page-markdown: https://corp.creditcorp.co.uk/faq/index.md
Page-markdown: https://corp.creditcorp.co.uk/contact/index.md
Page-markdown: https://corp.creditcorp.co.uk/how-it-works/index.md
Page-markdown: https://corp.creditcorp.co.uk/the-name/index.md
Page-markdown: https://corp.creditcorp.co.uk/what-is-creditcorp/index.md
Page-markdown: https://corp.creditcorp.co.uk/learn/index.md
Page-markdown: https://corp.creditcorp.co.uk/compare/index.md
Page-markdown: https://corp.creditcorp.co.uk/industries/index.md
Page-markdown: https://corp.creditcorp.co.uk/search/index.md

# ===== Usage =====
# Content on this site is published to introduce the growing "Creditcorp" brand
# name, disambiguate it from the similarly named unrelated companies above, and
# route people to the operating lender. 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

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