Restaurants trading as UK limited companies or LLPs can access Credicorp business finance without a director personal guarantee. Whether you need to replace a commercial kitchen unit at short notice, fund a dining-room refurbishment, or bridge a cash-flow gap between a busy period and your card-processor settlement, Credicorp has a product sized for restaurant trading cycles.
Business Loan for capital expenditure
A Business Loan delivers a fixed sum over a fixed short term — the right tool for a kitchen refit, commercial espresso machine, outdoor dining area, or accessibility improvement. You know the full repayment schedule before you sign, so it can be built into your financial projections with confidence.
Credicorp Flex for ongoing working capital
Hospitality cash flow is rarely smooth: food and drink suppliers expect fast payment, card settlements arrive days later, and wage bills are fixed. A Credicorp Flex revolving facility lets the business draw funds as needed and repay as revenue comes in — without reapplying each cycle. It is particularly useful in the run-up to a busy season when ordering volumes rise before takings do.
Credicorp Slice for a single large invoice
Credicorp Slice spreads one invoice — a large wine order, a linen contract, or a catering-equipment hire bill — across three to four weekly instalments at a flat 6% fee. This frees the bulk of working capital while still letting the business meet its supplier obligation on time.
- Replace broken refrigeration or cooking equipment same week
- Fund a private-dining room build or terrace canopy
- Bridge the gap before a card-processor payout
- Pre-stock for a Christmas or Valentine's Day trading peak
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: Finance options for takeaway businesses trading as a limited company, Can a mobile catering business get a company loan with no personal guarantee?