Group & related companies

No. Credit Corp Group Limited is an Australian company listed on the Australian Securities Exchange (ASX), best known for debt purchasing and collections. We are not connected to them in any way — no shared ownership, no shared directors, and no commercial relationship.

Why people sometimes confuse the two

"Credit Corp" and "Credicorp" read similarly and both operate in financial services, so a quick web search can surface both. The names are independent of each other.

What we actually are

• A UK-based lender that provides finance to UK limited companies and LLPs for business purposes.
• Part of the CM Beyer group of companies, headquartered in the UK.
• Offering two products — Credicorp Flex and Credicorp Slice — to business borrowers only.

A note on our own group's Australian arm

Separately, the CM Beyer group does include an Australian-registered company. That is part of our family of businesses and is unrelated to Credit Corp Group Limited. The existence of our own Australian arm does not connect us to the ASX-listed company that shares part of our name.

If you were trying to reach Credit Corp Group in Australia, you will need their own contact channels. If you are a UK business customer who reached us, you are in the right place — our support team can confirm your account.

See also: How the Credicorp group is structured, Is Credicorp Pty Limited in Australia part of the same group? and What is a \"body corporate\", and why it matters for lending.

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Your business finance comes from the Credicorp lending entity within the CM Beyer group. Other companies in the group are not lenders to you, and you cannot mix and match agreements across them.

Why lending sits with one entity

Keeping lending in a single, dedicated entity makes your agreement clear: one lender, one set of terms, one place to manage your account. The rate shown in your offer and your agreed term all sit with that one Credicorp company.

What about other group services?

• If the group offers other services through sister companies, those would be entirely separate arrangements with their own terms, not part of your Credicorp loan.
• Taking a Credicorp loan does not commit you to anything from another group company.
• You will never be passed to an unrelated firm — such as the Peruvian or Australian companies that share part of our name — because we have no connection to them.

Who can borrow

Either way, Credicorp lends only to UK limited companies and LLPs for business purposes. We do not lend to individuals or sole traders, and we do not take personal guarantees from directors — the loan is to the company.

If you want to expand or adjust your existing facility, speak to our team about your current Credicorp agreement rather than looking elsewhere in the group.

See also: What is a holding company?, Which Credicorp entity is my loan agreement with? and Limited company, LLP or sole trader: lending eligibility compared.

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No. The terms of your finance — the rate shown in your offer, your agreed term, and any fees set out in your agreement — are fixed by the credit agreement you sign with the Credicorp lending entity. The fact that Credicorp belongs to the CM Beyer group does not change them.

What group membership does and does not do

• It gives Credicorp the backing and shared standards of an established group.
• It does not give other group companies the right to change your terms.
• It does not move your debt to another company without proper notice to you.

If your agreement is ever transferred

Lenders can sometimes transfer or assign agreements to a related company. If that ever happened to yours, we would tell you in advance and your core terms would be carried over — you would not suddenly owe more because of a group change.

Your protections sit in the agreement

Because we lend to companies for business purposes, this falls outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply. That makes your written agreement the key document — it is where your rights and obligations live, whatever the group structure looks like.

If you ever receive notice of a change you do not understand, contact our support team before acting and we will talk it through.

See also: Can my rate or charges change during the term?, Can I borrow from another company in the group? and Which Credicorp entity is my loan agreement with?.

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When you take finance with us, your information is held and used by the Credicorp lending entity that you contract with. Being part of the CM Beyer group does not mean your data is freely passed around every company in the group.

The general principle

• Your information is used to run your account, assess and manage lending, meet legal obligations, and provide support.
• Any sharing within the group is limited to what is set out in our privacy notice and what the law allows.
• We do not share your data with the unrelated companies that share part of our name, such as Credicorp Inc in Peru or Credit Corp Group in Australia, because we have no relationship with them.

Where to find the detail

The specifics — what we collect, why, how long we keep it, and who it may be shared with — are set out in our privacy notice. That document is the authoritative source and takes precedence over this summary.

Your data rights

Under UK data protection law you have rights over your information, including the right to ask what we hold and to request a copy. You can exercise these through the channels in our privacy notice.

If you have a specific concern about how your data is handled within the group, contact our support team and we will point you to the right process.

See also: How the Credicorp group is structured, How to spot a fake firm using the Credicorp name, Who is CM Beyer and what does the group do?.

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Holding company. A holding company is a business whose main purpose is to own other companies, rather than to sell products or services directly to customers itself. It sits at the top of a group structure and holds the shares of the operating companies beneath it.

How it works in practice

The holding company provides ownership and overall direction. The operating companies underneath it do the day-to-day work — in our case, that includes the Credicorp business-lending brand. CM Beyer is the holding group that Credicorp belongs to.

Why the term matters to you

• Your loan agreement is with the operating lending entity, not with the holding company as a whole.
• A holding structure is normal and common; it gives a group shared standards and stability.
• It does not change the rate shown in your offer or your agreed term — those come from your signed agreement.

Related terms

You may also see "parent company" (another word for a holding company in relation to the businesses it owns), "subsidiary" (a company owned by the holding company), and "group" (the holding company and all its subsidiaries together).

If you want to confirm which specific entity within the group is your lender, your offer document names it, or our support team can tell you.

See also: Arrears (glossary), Glossary: Breathing Space and Who is CM Beyer and what does the group do?.

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Sister company. A sister company is another company owned by the same parent or holding company as yours. Sister companies are part of the same group and share an owner, but they each run their own activities and have their own agreements with their own customers.

How it applies to us

Within the CM Beyer group, Credicorp has genuine sister companies — other UK and overseas businesses owned by the same group. They are related to Credicorp because they share the same group ownership.

What a sister company is not

• It is not the same as an unrelated company that happens to share part of our name, such as Credicorp Inc in Peru or Credit Corp Group in Australia. Those have no ownership link to us at all.
• It is not automatically a party to your loan. Your agreement is only with the Credicorp lending entity named on your documents.

Why the distinction matters

Knowing the difference between a genuine sister company and a similarly named stranger helps you avoid confusion, keep accurate records, and spot impersonation attempts.

Related terms

See also "holding company" (the parent that owns the group), "subsidiary" (a company owned by a parent), and "group" (the parent and all the companies it owns, taken together).

See also: Glossary: holding company, Can I borrow from another company in the group?, Who is CM Beyer and what does the group do?.

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Credicorp assesses every application at the level of the limited company or LLP, not the individual directors behind it. Our credit process combines automated data analysis with human judgement on applications where the picture is more complex, aiming to reach a well-grounded decision efficiently.

What we look at

Our models draw on a range of business data: trading history, revenue patterns, existing obligations, sector context, and the company's filed records where available. We may also request recent bank statements, management accounts, or other supporting information depending on the size and nature of the facility. We do not rely primarily on personal credit scores of directors — our focus is the company's own financial health and repayment capacity.

Automated modelling and human review

Routine applications that fall clearly within our risk appetite are assessed by our automated decisioning system, which allows us to return outcomes quickly. Where the application is larger, the company profile is less straightforward, or our models flag items that warrant closer scrutiny, a credit analyst reviews the case directly. Both routes apply the same underlying credit standards — the path to a decision differs, not the standard itself.

No director personal guarantee

Because lending is to the company, we do not ask directors to provide personal guarantees as a condition of our standard facilities. Our credit assessment is designed to establish whether the company can service the debt from its own resources — not to create a fallback against a director's personal assets.

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: What are Credicorp's lending principles?, Who is Credicorp?, How is Credicorp's lending funded?

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Credicorp Limited and CM Beyer Limited are two separate United Kingdom companies that share a common corporate background. We are related — part of the same wider group — but each is a distinct legal entity with its own registration, its own services and its own customer-facing teams.

What that means in practice

For day-to-day matters this distinction is what matters most:

• Your loan is with Credicorp Limited. Any payment, statement, hardship request, change of details, complaint or data request goes to us, using the channels on this site.
• CM Beyer Limited is a separate company with its own services. Information about what it does is on its own site — see cmbeyer.co.uk/about/ — and customers of CM Beyer Limited should use the contact details on that company's contact page.
• The two companies share certain shared services in the way most groups do (e.g. back-office, technology) but they are not the same business and one cannot answer for the other.

Why the group exists

Operating as a group of related companies is normal in financial services. It lets each company focus on the segment of the market it knows best while drawing on the experience of the wider group. The full group structure is summarised on cmbeyer.co.uk/about/.

How to be sure who you are dealing with

Every formal communication from Credicorp Limited is clearly signed off in our name and uses an email address ending @credicorp.co.uk. If you receive something that mentions Credicorp Limited but uses different branding or a different domain, please contact us using the details on this site so we can verify it. Our Who is Credicorp Limited? and registration articles set out the details to check.

See also: Are you connected to Credit Corp Group in Australia?, Can I borrow from another company in the group?, Does being part of a group change my loan terms?.

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Credicorp funds its loan book through a combination of proprietary capital and committed institutional funding lines. We do not rely on retail deposits, peer-to-peer lending platforms, or crowdfunded money, which means our ability to lend is not dependent on the flow of third-party investors in the same way marketplace models are.

Why funding structure matters to borrowers

A lender's funding model affects speed, consistency, and appetite. Because we commit our own capital alongside institutional lines rather than syndicating each loan to retail participants, we can move quickly and maintain a consistent credit appetite across market conditions. You deal with one counterparty throughout the life of the facility.

Stability and continuity

Funding lines are committed in advance and reviewed periodically at an institutional level rather than drawn down ad hoc. This means that once a facility is agreed with you, the capital behind it is in place — there is no risk of a funding shortfall mid-term caused by retail investors withdrawing funds from a marketplace platform.

No deposit-taking

Because Credicorp does not accept deposits from the public, money you hold is not covered by the FSCS deposit-protection scheme. Our funding model is designed around the business-lending market, not retail savings, and that distinction shapes how we are structured and capitalised.

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: Is Credicorp a bank?, Who is Credicorp?, What is Credicorp's UK regulatory position?

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This article describes, in plain words, how the companies in our group relate to one another. The short version: Credicorp Limited is your UK lender, it is part of a group held by CM Beyer Limited, and there is a separate group company in Australia. None of this changes your agreement or who you deal with.

The pieces, top to bottom

• CM Beyer Limited — the holding company at the top of the group. A holding company owns other companies; it is not your lender. See the CM Beyer connection.
• Credicorp Limited — the UK operating company that lends to limited companies and LLPs. This is the company you have your agreement with (Companies House 16093826).
• Credicorp Pty Limited (Australia) — a separate group company serving the Australian market at credicorp.com.au. It is in the same group but is its own company. See the Australia group company.

The separate companies that are not in our group

For completeness: the much larger Credicorp in Peru (NYSE: BAP) and Credit Corp in Australia (ASX: CCP) are not part of our group. They are independent, unrelated, publicly listed companies that happen to share a similar name. Our genuine domains are listed in the full list of genuine group domains.

For who we are and where we are based, see where Credicorp Limited is registered and based. Credicorp Limited's lending to UK companies for business purposes is outside FCA consumer-credit regulation under Article 60B FSMA RAO 2001 and is not covered by the Financial Ombudsman Service or the FSCS.

See also: Are you connected to Credit Corp Group in Australia?, Can I borrow from another company in the group?, Does being part of a group change my loan terms?.

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Because "Credicorp" is used by genuine, unconnected companies in other countries, and because finance names are attractive to fraudsters, it pays to confirm you are dealing with the real UK Credicorp before you share information or make a payment.

Quick checks

• Our website is credicorp.co.uk. Be wary of look-alike domains with extra words, different endings, or odd spellings.
• We lend only to UK limited companies and LLPs for business purposes. Anyone offering you a personal loan, a "sole trader loan," or upfront "release fees" is not us.
• We do not take personal guarantees from directors. A request for one is a red flag.
• We will never ask you to move money to a "safe account" or pay a fee to receive your funds.

If you are contacted out of the blue

Treat unexpected calls, texts, or emails with caution, especially if they pressure you to act fast. Do not click links in unsolicited messages. Instead, reach us through the contact details on our official website and confirm before doing anything.

What to do if you suspect a scam

• Stop and do not send money or share login or card details.
• Contact our support team to verify whether a message genuinely came from us.
• If you have lost money or shared details, report it to your bank and to Action Fraud.

We would always rather you pause and check than risk it. We will never penalise you for confirming.

See also: Does the group share my data between its companies?, Why our group also owns creditcorp.co.uk (with a 't'), How do you verify it is really me on the phone?.

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If you search "Credicorp" online, you may find results for a large overseas bank or financial holding company. That is almost certainly Credicorp Inc, the Lima-based group that owns Banco de Crédito del Perú. It is not us, and we are not connected to it.

Why this happens

The Peruvian Credicorp is a sizeable listed company, so it ranks strongly in general searches. A separate Australian company, Credit Corp Group, can also appear. Both are independent of the UK Credicorp.

How to find the right Credicorp

• Add "UK," "business lending," or "credicorp.co.uk" to your search.
• Go straight to credicorp.co.uk rather than relying on search rankings.
• Check that the results mention our products, Credicorp Flex and Credicorp Slice, and lending to UK limited companies and LLPs.

How to know it is us

We lend only to UK limited companies and LLPs for business purposes — never to individuals or sole traders, and only in the UK. We are part of the CM Beyer group. If a result describes retail banking, share trading, or services in Peru or Australia, that is one of the unrelated companies.

If you reached this help centre, you are in the right place. For anything to do with the overseas firms, you will need their own channels.

See also: Is Credicorp the same as Credicorp Inc in Peru?, Are you connected to Credit Corp Group in Australia?, Who is CM Beyer and what does the group do?.

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No. Credicorp is not a bank and does not hold a banking licence. We are a specialist commercial lender: we deploy our own capital and funding lines to make loans directly to UK limited companies and LLPs, without accepting retail deposits or operating a current-account or savings product.

What the difference means in practice

Banks are authorised and regulated by the Prudential Regulation Authority (PRA) as well as the Financial Conduct Authority (FCA). Non-bank commercial lenders like Credicorp that lend exclusively to businesses above the relevant thresholds operate outside the consumer-credit regulatory perimeter — we are not required to hold FCA consumer-credit permissions for the products we offer. That lighter regulatory wrapper is part of why we can make decisions faster and structure facilities in ways that suit business cashflow rather than fitting a consumer template.

No deposit protection

Because we are not a bank, money you place with us — for example any fees held in connection with a facility — is not covered by the Financial Services Compensation Scheme (FSCS). This is consistent with our position as a business-to-business lender rather than a deposit-taking institution.

Direct lender, not a broker

We are also not a credit broker. When you apply to Credicorp, you are applying to the entity that will actually advance the funds and hold the agreement. There is no referral to a panel of third-party funders and no broker fee layered into the cost.

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: Who is Credicorp?, What is Credicorp's UK regulatory position?, How is Credicorp's lending funded?

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No. Credicorp in the UK is an entirely separate business from Credicorp Inc, the Lima-based financial holding company that owns Banco de Crédito del Perú and trades on the New York Stock Exchange. We share a name, but there is no ownership link, no shared management, and no business relationship of any kind.

Why the names look alike

The word "Credicorp" combines "credit" and "corporation," so it is a natural choice for finance businesses in different countries. Similar names appearing in different markets is common and does not imply any connection.

How to tell which company you are dealing with

• We lend only to UK limited companies and LLPs, for business purposes — never to individuals, and never in Peru or the wider Americas.
• Our website is credicorp.co.uk and our products are Credicorp Flex and Credicorp Slice.
• We are a UK-registered company that is part of the CM Beyer group. The Peruvian Credicorp is a listed multinational with retail and corporate banking, insurance, and wealth arms.

If you were looking for the Peruvian group

You will need their own channels — we cannot help with accounts, shares, or services that belong to a company we are not connected to. If you have reached us by mistake, no action is needed on your side.

If you are an existing UK business customer and want to confirm you are dealing with the right Credicorp, contact our support team and we will confirm your account details.

See also: I searched 'Credicorp' and found a bank — is that you?, Are you connected to Credit Corp Group in Australia?, Why do several Credicorp websites look similar?.

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Yes. Both credicorp.co.uk and creditcorp.co.uk (the second one spelled with a "t") are genuine domains that belong to our own group of companies. They are not impersonators of each other — they are both ours.

Why we hold both spellings

"Credicorp" and "Creditcorp" are only one letter apart, and people often type the version with the "t" because it reads like "credit corp." Holding both spellings means that whichever you type, you reach a site we control rather than a look-alike set up by someone else.

Which one should I use?

• For the help centre and your lending account, credicorp.co.uk is the current home of our products, Credicorp Flex and Credicorp Slice.
• The creditcorp.co.uk site is part of the same group's family of brand sites and points you back to the right place.

Not to be confused with

Neither of our sites is connected to Credicorp Inc in Peru or Credit Corp Group in Australia. Those are separate, unrelated companies that happen to share part of our name.

A quick safety note

Genuine variations we own end in .co.uk and match the spellings above. If you see a domain with extra words, a different ending, or unusual characters, treat it with caution and confirm with our support team before acting.

See also: Which Credicorp websites are genuinely ours?, The full list of genuine Credicorp group domains and Can a holding company or group company apply?.

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Credicorp as a UK commercial lender is an independent British company. It has no ownership, group, or operational connection to any overseas financial institution that carries a similar name — including large Latin American banking groups that trade under comparable names in Peru, Chile, or other markets.

Why the names coincide

"Credicorp" is a compound of "credit" and "corporation" — a construction common in commercial finance globally. The similarity in name between the UK entity and unrelated overseas businesses is coincidental and does not imply any affiliation, shared branding, shared capital, or joint venture arrangement.

No cross-border lending or referrals

UK Credicorp lends only to UK-registered limited companies and LLPs. We do not operate referral arrangements with, or act as an agent or representative for, any overseas financial institution. Our funding, governance, and lending decisions are entirely UK-based and independent.

Verifying who you are dealing with

If you have been approached by an entity claiming to be Credicorp and offering lending in a jurisdiction outside the UK, or if you have doubts about the provenance of a communication, please contact us directly through the contact details on this website. We can confirm whether a communication originated with us. Separately, you can verify UK company information through Companies House at gov.uk.

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: Who is Credicorp?, What is Credicorp's UK regulatory position?, What are Credicorp's lending principles?

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Because our name is similar to other companies' names, it is worth being clear about which websites genuinely belong to our group and which do not. If in doubt, treat the list below as the reference and check with us before acting on anything unexpected.

Genuinely part of our group

How to check you are in the right place

• Type credicorp.co.uk into the address bar yourself rather than following a link from a message you did not expect.
• Our company is Credicorp Limited, Companies House number 16093826 — you can verify that on the public register.
• If a message points you somewhere that is not on the list above, treat it with caution and check for the signs of a scam.

For who we are and where we are based, see who is Credicorp Limited, or read about the wider Creditcorp Group. Credicorp Limited lends to UK limited companies and LLPs for business purposes; that lending is outside FCA consumer-credit regulation under Article 60B FSMA RAO 2001 and is not covered by the Financial Ombudsman Service or the FSCS.

See also: Are you connected to Credit Corp Group in Australia?, Can I borrow from another company in the group?, Does being part of a group change my loan terms?.

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Credicorp's approach to lending is guided by a small set of principles that shape every credit decision, product feature, and customer interaction. These are not marketing language — they reflect practical choices about how we structure our facilities and assess our borrowers.

Transparency before commitment

We disclose the full cost of a facility in plain figures before you sign anything. That means the total amount repayable, the fee or interest structure, and the repayment schedule are all presented upfront. We do not bury costs in small print or add charges that were not disclosed at the outset.

Business-only, company-level lending

Every facility is extended to the company entity — a UK limited company or LLP — not to individual directors or shareholders. We do not take director personal guarantees. This reflects our view that business finance should sit with the business: it aligns risk correctly and means directors are not personally exposed if the company meets its obligations as agreed.

Proportionate credit assessment

We assess each application on the company's own financial position and trading history. We use a combination of data-driven models and, where the picture is nuanced, human review. Our aim is to make a well-grounded decision quickly — not to apply a rigid one-size formula that advantages long-established businesses at the expense of younger but creditworthy ones.

Speed without shortcuts

Fast decisions are only useful if they are accurate. We invest in our assessment process specifically so that speed does not come at the cost of lending responsibly or mispricing risk. A facility agreed quickly and structured correctly serves a business better than one that creates problems at renewal or repayment.

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: How does Credicorp make lending decisions?, Who is Credicorp?, What is Credicorp's UK regulatory position?

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Credicorp operates as a UK commercial-finance group, with lending products and associated brands all aimed at the same market: UK-registered limited companies and LLPs seeking short-term business finance. The group does not operate any consumer-facing lending brands.

Shared lending principles across the group

Regardless of which brand or product a borrower applies through, the underlying credit standards, disclosure practices, and structural features are consistent across the group. Lending is always to the company entity; no director personal guarantee is required; costs are disclosed in full before commitment; and all facilities are funded from group capital and committed institutional lines rather than retail deposits.

Products spanning the group

The group's current product range covers the Business Loan (fixed sum, fixed term), Credicorp Flex (revolving credit facility, draw-repay-redraw to a limit), and Credicorp Slice (single-bill spreading across three or four weekly instalments at a flat 6% fee). Each product is designed for a distinct business cashflow need, and a single company may use more than one product over time.

No connection to overseas groups

The Credicorp UK group has no ownership or operational relationship with any overseas entity carrying a similar name. All group entities are incorporated, funded, and managed in the UK, and lending is restricted to UK-registered businesses. For further detail on the distinction from overseas similarly named institutions, see the linked article below.

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: Who is Credicorp?, Is UK Credicorp connected to overseas Credicorp entities?, What are Credicorp's lending principles?

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Credicorp lends exclusively to UK limited companies and LLPs. Because our lending is purely business-to-business and the agreements we enter into are not regulated credit agreements under the Consumer Credit Act 1974, we operate outside the FCA's consumer-credit authorisation regime for the products we offer.

Why the exemption applies

UK consumer-credit regulation was designed to protect individual consumers and sole traders entering into personal credit agreements. Loans to incorporated businesses — limited companies and LLPs — fall outside that framework provided certain conditions are met. Credicorp's lending is structured to satisfy those conditions: the borrower is always the company entity, and agreements are entered into for business purposes only.

What this means for borrowers

Because our lending sits outside the consumer-credit perimeter, the statutory protections that apply to personal loans — such as access to the Financial Ombudsman Service (FOS) or FSCS cover — do not apply to Credicorp facilities. Businesses considering a facility with us should take that into account and, where appropriate, take independent financial or legal advice before committing.

Our voluntary standards

Regulatory exemption does not mean we operate without standards. We follow our own published lending principles, maintain transparent cost disclosure before any agreement is concluded, and apply responsible credit-assessment processes. We also comply with all applicable UK data-protection, anti-money-laundering, and fraud-prevention obligations.

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: Is Credicorp a bank?, Who is Credicorp?, What are Credicorp's lending principles?

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Your loan agreement is always with the specific UK Credicorp lending company named on your offer document and credit agreement. It is not with CM Beyer (the holding group as a whole) and it is certainly not with any unrelated overseas company that shares part of our name.

Where to find the exact name

• The top of your offer document and credit agreement names the lending entity in full.
• Statements and the account area in your online dashboard also show who the lender is.
• Your direct debit or payment instructions reference the same entity.

Why this matters

Knowing the exact entity helps you keep clean records, satisfy your accountant or auditor, and avoid confusion with the Peruvian Credicorp Inc or Australia's Credit Corp Group — neither of which we are connected to.

The borrower is your company, not you personally

Just as the lender is a specific company, the borrower is your limited company or LLP — not its directors as individuals. We do not take personal guarantees from directors. The obligation sits with the business.

If something looks wrong

If a document, email, or payment request names an entity you do not recognise, do not act on it. Contact our support team and we will confirm the correct lending entity for your account before you do anything.

See also: Can I borrow from another company in the group?, Does being part of a group change my loan terms? and Can a holding company or group company apply?.

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CM Beyer is the UK holding group that Credicorp is part of. A holding group is the parent that sits above a family of related companies, providing shared ownership and overall direction while each operating company runs its own activities.

Where Credicorp sits

Credicorp is the group's business-lending brand. Within the group, Credicorp focuses on one job: providing finance to UK limited companies and LLPs for business purposes, through our two products, Credicorp Flex and Credicorp Slice. We do not lend to individuals or sole traders.

What "group" means for you as a borrower

• Your loan agreement is with the Credicorp lending entity, not with the holding group as a whole.
• Being part of an established group gives Credicorp stability and shared standards, but it does not change the terms you agree to.
• Because we lend to companies for business purposes, this sits outside the FCA consumer-credit regime — so the Financial Ombudsman Service and FSCS do not apply.

Other companies in the group

The group also includes other UK and overseas companies under the CM Beyer name. These are genuine sister companies, distinct from unrelated businesses that happen to share part of our name, such as the Peruvian or Australian "Credicorp"/"Credit Corp" firms.

If you want to confirm exactly which entity you are contracting with, check your offer document — it names the lending company — or ask our support team.

See also: Glossary: holding company, Can a holding company or group company apply? and Credicorp Flex versus Credicorp Slice: which suits your borrowing?.

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Credicorp is a UK-based commercial finance provider that lends exclusively to limited companies and LLPs. We are not a bank, broker, or consumer lender — we originate and fund business loans directly, keeping the entire relationship under one roof from application through to repayment.

What we offer

Our product range covers three distinct needs. The Business Loan delivers a fixed sum over a fixed short term — straightforward for one-off capital requirements. Credicorp Flex is a revolving credit facility: draw what you need, repay, and draw again up to your limit, so your facility works in step with your business cycle. Credicorp Slice spreads a single bill across three or four weekly instalments at a flat 6% fee, useful when an invoice lands before cash does.

Who we lend to

Every application we assess is from a UK registered limited company or LLP. We do not lend to sole traders, partnerships without limited-liability status, or individuals — and we never have. Lending is to the company entity itself, with no requirement for a director personal guarantee.

Our relationship with borrowers

We aim to give businesses a clear, jargon-free picture of what they are borrowing, what it costs, and when repayments fall due, before any agreement is signed. Decisions are made using a combination of proprietary data models and human review where the picture warrants it.

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: Is Credicorp a bank?, What is Credicorp's UK regulatory position?, How is Credicorp's lending funded?

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Our group runs more than one website, and they share a common look and feel on purpose. A consistent design across the marketing site, the help centre, and your account area makes it easier to recognise that you are dealing with the same group.

The genuine sites you may see

• Our main site at credicorp.co.uk, which introduces our products, Credicorp Flex and Credicorp Slice.
• This help centre, where guides like this one live.
• Your secure account area, where you manage an existing facility.
• Brand-family sites our group owns, including the creditcorp.co.uk spelling with a "t."

Why a shared design helps you

When genuine pages look consistent, an inconsistent or off-brand page is easier to spot — which can be a useful warning sign of a fake.

What shared design does not mean

A similar look does not connect us to unrelated companies that share part of our name, such as Credicorp Inc in Peru or Credit Corp Group in Australia. We have no link to them.

Confirming you are on a real site

Check the web address carefully against the genuine domains above, look for the secure padlock, and never enter login or payment details on a page you reached from an unexpected link. If in doubt, contact our support team to confirm.

See also: The full list of genuine Credicorp group domains, Setting up a passkey for your Credicorp account and Which Credicorp websites are genuinely ours?.

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Operating a separate legal entity per country is the standard model for international financial services groups. Each company is regulated where it operates, employs its own people, and is answerable for its own customers. For our group, that means:

• Credicorp Limited — registered in England and Wales, serves customers in the United Kingdom. This site, credicorp.co.uk, is the customer site for Credicorp Limited.
• Credicorp Pty Limited (ACN 679 428 605) — registered in Australia, serves customers in Australia. Its customer site is credicorp.com.au and it has its own phone number and email addresses.
• CM Beyer Limited — a related company in the United Kingdom with a separate service offering. Its customer site is at cmbeyer.co.uk and a wider international view sits at cmbeyer.com.

Why this matters for you

The most important thing for any customer is to use the right company for their account. If your loan is with Credicorp Limited, this site and the contact details on it are the right place. If you are looking for our Australian sister company, please use the credicorp.com.au site instead. If you are a customer of CM Beyer Limited, please use the contact channels on cmbeyer.co.uk/contact/.

None of these companies can answer for another. A query about a CM Beyer Limited service cannot be resolved by Credicorp Limited, and vice versa, simply because we do not hold those records — and we would not have any reason to do so. Going directly to the right company saves you time and gets you a better answer.

Shared values, separate accountability

The group's companies share a set of operating values — particularly around responsible lending and treating customers as individuals — but each is independently accountable for what it does, regulated where it operates and structured under its own local law. Information about the group's history and services is on cmbeyer.com/about/.

See also: Is Credicorp Pty Limited in Australia part of the same group?, Can I borrow from another company in the group?, Are you connected to Credit Corp Group in Australia?.

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You may notice a "creditcorp.co.uk" with a t as well as our "credicorp.co.uk". Both belong to our group, and nothing about your account changes because of it.

Why a group holds similar names

Our name is one letter away from a common word — "credit" — so we hold the near-identical domains rather than leave them for someone else to imitate us with. Owning creditcorp.co.uk and creditcorpgroup.co.uk keeps them from becoming convincing look-alikes aimed at our customers.

How it fits the wider group

These domains sit alongside the holding company, CM Beyer Limited, and our Australian group company at credicorp.com.au. For the full picture, see the full list of genuine group domains and how the group is structured.

The companies that aren't us

Credicorp in Peru (NYSE: BAP) and Credit Corp in Australia (ASX: CCP) are separate, unrelated companies with similar names — not part of our group. To check you're dealing with the genuine UK company, see how to know you're dealing with the genuine Credicorp Limited.

Credicorp Limited lends to UK limited companies and LLPs for business purposes; that lending is outside FCA consumer-credit regulation under Article 60B FSMA RAO 2001 and is not covered by the Financial Ombudsman Service or the FSCS.

See also: Are you connected to Credit Corp Group in Australia?, Can I borrow from another company in the group?, Does being part of a group change my loan terms?.

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Credicorp is our current brand, and it is the name on our products — Credicorp Flex and Credicorp Slice — and on your agreement. Our group also holds the "Creditcorp" spelling (with a "t"), which leads some customers to ask whether a rebrand is coming.

Why we hold both spellings

The two spellings are only one letter apart and are easy to mix up. Holding both protects customers, so that whichever you type you reach a site our group controls rather than a look-alike.

If a rebrand ever happened

• We would tell you well in advance, in writing.
• Your existing agreement and its terms would carry over — a name change does not change the rate shown in your offer or your agreed term.
• We would make clear which website and contact details to use.

What this is not

A move between our own "Credicorp" and "Creditcorp" spellings would never connect us to the unrelated Credicorp Inc in Peru or Credit Corp Group in Australia. Those remain separate companies that share part of our name by coincidence.

Be cautious of fake "rebrand" messages

Fraudsters sometimes use the idea of a rebrand to trick people into using a fake site or paying into a new account. If you receive a message about a name change, do not act on it until you have confirmed it with our support team through our official website.

See also: Why our group also owns creditcorp.co.uk (with a 't'), Can my rate or charges change during the term? and Changing your communication preferences.

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