--- title: "Business funding for electrical & plumbing — working capital for UK M&E companies" description: "How short-term business finance fits incorporated UK electrical and plumbing companies — materials up front, staged payments, retentions held back and slow-paying main contractors. The company borrows, never the director: no personal guarantee, no charge over a home, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/electrical-and-plumbing/" locale: "en-GB" updated: "2026-06-22" --- # Working capital for electrical & plumbing companies > How short-term business finance fits incorporated UK electrical and plumbing (M&E) companies. This is the Credit Corp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credit Corp Group Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 22 June 2026 --- ## Who can borrow Credit Corp Group Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## Where electrical and plumbing companies hit a cash gap Trades businesses front material costs long before staged or final payments arrive: - **Materials up front** — cable, pipe, fittings and switchgear are bought before the first site visit, often before any payment is certified. - **Staged payments lagging** — contractor payment applications are certified and paid weeks or months after work is complete. - **Retentions held back** — 5–10% withheld for 12–24 months after practical completion. - **Slow main contractors** — a sub-contractor waiting on a main contractor's 60-day payment runs can carry significant float. - **Emergency call-outs** — parts and labour for a boiler or electrical fault must be paid before a landlord or facilities manager settles. - **Tool and van fleet** — specialist kit and vehicles need replacing with no notice. ## The finance that tends to fit Three shapes of short-term credit — see [Products](https://creditcorp.co.uk/products/) for detail. - **A single, known cost — Business Bridging Loan.** A fixed lump sum — a material order for a specific job, a tool purchase, a van repair. - **An ongoing swing — Credicorp Flex.** A revolving facility to bridge material costs while payment applications clear; repay as certified payments arrive and draw again for the next job. - **One supplier bill to spread — Credicorp Slice.** Settles a single merchant or supplier invoice in full today; your company repays over a few weeks for a flat fee. ## The company borrows — not you With Credicorp the agreement is between the lender and your **company**, so: - **No personal guarantee** — the director does not underwrite the debt. - **No charge over your home** — nothing is secured against where you live. - **No personal credit check** on the director's own file. Only bodies corporate — UK limited companies, LLPs and PLCs — are eligible. A sole-trader tradesperson is not eligible. ## Electrical & plumbing — common questions **Can a limited-company M&E contractor borrow without a personal guarantee?** Yes. Credicorp lends to the company — your UK limited company, LLP or PLC — not to the director who signs. No personal guarantee, no charge over a home, no personal credit check on a director. **Our main contractor pays on 60-day terms but we buy materials on 30. Can funding bridge that gap?** Yes. A Credicorp Flex facility is built for this: draw when material invoices fall due, repay when the certified payment clears, and draw again for the next application, paying interest only on the drawn balance. **We have a retention held for 12 months. Can we borrow against that gap?** Short-term finance is not structured around a retention release date, but it can cover day-to-day float while retentions are locked up. Discuss specifics with the lender at credicorp.co.uk. **Where do we actually apply?** On the operating lender's own site, [credicorp.co.uk](https://credicorp.co.uk/). This page is the Credit Corp brand front door and does not take applications. ## Related sectors - [Construction](https://creditcorp.co.uk/industries/construction/) - [Landscaping](https://creditcorp.co.uk/industries/landscaping/) - [All industries](https://creditcorp.co.uk/industries/) ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Credit Corp Group = **Credit Corp Group Limited** (UK, company no. 17338274) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** --- © 2026 Credit Corp Group · Credit Corp Group Limited (17338274) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).