--- title: "Business funding for funeral directors — working capital for UK funeral-director companies" description: "How short-term business finance fits incorporated UK funeral-director companies — disbursements paid out before the estate settles, premises and the fleet. 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/funeral-directors/" locale: "en-GB" updated: "2026-06-22" --- # Working capital for funeral directors > How short-term business finance fits incorporated UK funeral-director 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 funeral directors hit a cash gap Funeral directors front significant costs before an estate can pay: - **Disbursements paid immediately** — cremation fees, burial fees, doctor's certificates and third-party costs are settled upfront; families may take weeks or months to settle the account. - **Funeral plan redemptions** — a pre-paid plan is redeemed at cost; if the plan value has not kept pace with actual costs, the business absorbs the difference. - **Fleet and premises** — hearses and limousines require maintenance and replacement; premises need fitting out to a standard expected by families. - **Staff and rotas** — a skilled team of funeral directors, embalmers and drivers must be paid regularly, regardless of when estate income arrives. - **Unexpected busy periods** — a sharp upturn in demand (seasonal or otherwise) puts pressure on fleet and stock. ## 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 vehicle replacement, a premises refit, a specific fleet or equipment cost. - **An ongoing swing — Credicorp Flex.** A revolving facility to bridge disbursements paid out before families settle; repay as accounts clear and draw again. - **One supplier bill to spread — Credicorp Slice.** Settles a single supplier invoice — a casket order, a maintenance bill — 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 funeral director is not eligible. ## Funeral directors — common questions **Can a limited-company funeral director 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. **We pay disbursements immediately but families take months to settle. Can we bridge that gap?** Yes. A Credicorp Flex facility is designed for this recurring pattern: draw when disbursements go out, repay as families settle accounts, and draw again for the next need. **We need to replace a hearse. What fits?** A known vehicle replacement cost fits a Business Bridging Loan — a single lump sum, a short fixed term, no open-ended commitment. **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 - [Healthcare](https://creditcorp.co.uk/industries/healthcare/) - [Professional services](https://creditcorp.co.uk/industries/professional-services/) - [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/).