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Honest comparisons, not a sales pitch.
Credicorp finance isn't the only way to cover a cash-flow gap, and it isn't always the right one. These guides put a Credicorp product next to the alternative a director might weigh it against — and say plainly when the other route wins. Throughout, the company borrows, never you personally.
Most funding decisions come down to a choice between two things that look alike on the surface. A bridging loan or the overdraft? A credit facility or the company card? Slice a supplier bill, or borrow against the invoices you're owed?
Creditcorp is the growing name for the Credicorp group, and Credicorp Limited is the lender behind it. It offers three products — a Business Bridging Loan, the revolving Credicorp Flex facility, and Credicorp Slice for spreading a supplier bill. It does not offer overdrafts, credit cards or invoice finance. So rather than pretend those don't exist, these pages compare each Credicorp product to its nearest alternative and are straight about which one we offer, which we don't, and when the other is the better fit.
This is a guide, not an application. When you're ready, applying happens on the lender's own site, credicorp.co.uk. Throughout, the borrower is the company — a UK private limited company (Ltd), LLP or PLC — not the director who signs. No personal guarantee, no charge over a home, no personal credit check on a director.
Three comparisons to weigh up
Each pairs one Credicorp product with the alternative directors most often consider against it. The Credicorp product is on the left; the other option is not something Credicorp offers.
Bridging Loan vs overdraft
A fixed-term lump sum against an on-demand buffer on the current account. Availability, cost shape, flexibility — and when an overdraft is the better tool.
Read the comparison
Flex vs business credit card
Two revolving routes side by side — limits, how interest is charged, repayment, and the company-as-borrower point a card rarely matches.
Read the comparison
Slice vs invoice finance
Paying a supplier bill in instalments versus borrowing against money owed to you. They pull cash flow in opposite directions — here's when each fits.
Read the comparisonMore comparisons
More even-handed comparisons for directors weighing up their options — including all three Credicorp products side by side.
Bridging Loan vs an SME term loan
A short bridging loan against a longer SME term loan — term length, cost shape, repayment structure and what each is for.
Read the comparisonFlex vs a business overdraft
The revolving Flex facility against a business overdraft — availability, cost, flexibility and when each product wins.
Read the comparisonShort-term loan vs a merchant cash advance
A fixed-term company loan against a merchant cash advance repaid as a percentage of card takings — repayment mechanics, cost, eligibility.
Read the comparisonThe three Credicorp products compared
The Business Bridging Loan, Credicorp Flex and Credicorp Slice side by side — what each is, the terms and when each fits.
Read the comparisonWhat Credicorp actually offers
So you know what's on the table before you read a comparison. There are three products, and only three.
- Business Bridging Loan — a single lump sum repaid over a short, fixed term. Good when you know the figure and roughly when you can clear it.
- Credicorp Flex — a revolving facility you draw on, repay and draw again, paying interest only on what you've actually drawn.
- Credicorp Slice — pays a supplier bill in full today and lets the company repay over a few weeks for a flat fee.
Overdrafts, credit cards and invoice finance are not Credicorp products — they belong to banks and specialist providers, and each comparison says so plainly. The full detail on the three Credicorp products sits on the products page, and the lender lays all three out side by side at credicorp.co.uk/compare.
For plain-English explanations of how each product works before you compare, see the learn hub. The tools let you model the cost.
Comparison questions
Which Credicorp product is right for my business?
If you need a one-off cash injection — say, to bridge a gap between invoice and payment — the Business Bridging Loan is the simplest fit. If you want a reusable facility you can draw and repay repeatedly, choose Credicorp Flex. If you want to split a large supplier bill into monthly instalments rather than cash-fund it upfront, Credicorp Slice is designed for that.
How does Credicorp compare to a bank overdraft?
A bank overdraft is attached to your current account, can be withdrawn at the bank's discretion and often requires a personal guarantee from the directors. Credicorp facilities are separate from your bank account, have agreed terms you can plan around, and require no personal guarantee.
Does taking Credicorp finance affect my ability to get other credit?
Credicorp checks your business credit bureau file. Like any business credit inquiry, this may appear on your business credit record. It does not touch your personal credit file. Only the company credit position is assessed.
Can I hold more than one Credicorp product at the same time?
This depends on current policy and your company's overall affordability position. The lender's team at credicorp.co.uk can advise on whether holding multiple facilities is possible for your business.
Ready when you are
Once you've weighed it up, applying, drawing down and managing your account all happen on the lender's site, credicorp.co.uk.