Bathroom fitting companies operating as limited companies can borrow through Credicorp without a director personal guarantee. Whether you fit bathrooms for housebuilders, hotels, or commercial clients, the liability sits with the company.
Upfront costs before completion payment
A bathroom refurbishment or new-build fit-out requires sanitaryware, tiling, plumbing materials, and labour — all procured and paid before practical completion triggers the client's payment. For a company running multiple bathrooms at once across a development site, this can create a sustained funding gap. A Business Loan gives you a fixed sum to cover that outlay, repaid over a defined short term as your invoices settle.
Flex for seasonal and programme-driven pipelines
Many bathroom fitters see seasonal peaks — new-build completions tend to cluster at quarter-end, and hotel refurbishments often run in winter. Credicorp Flex lets your company draw on a standing revolving facility when demand spikes and repay as soon as client payments arrive, keeping the line available for the next peak.
Slicing a large sanitaryware or tile order
Trade supplier orders for a full bathroom specification — suite, shower system, tiles, and fittings — can land as a single invoice. Credicorp Slice splits that bill into three or four equal weekly instalments at a flat 6% fee, spreading the cost across the installation period.
- Sanitaryware, showers, and bath panels
- Tiling materials and adhesives
- Plumbing and electrical subcontractors
- Waterproofing and specialist finishes
We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.
See also: Can a kitchen fitting company borrow as a limited company?, Business finance for shopfitters and fit-out contractors, Can a groundwork contractor get business finance without a personal guarantee?