Credicorp's online application is designed to minimise the paperwork you need to gather. In most cases a handful of items is all that is required. Here is what to have ready before you start.
Documents always required
- Company number — your Companies House registration number. It is on your certificate of incorporation, any Companies House filing acknowledgement, or at find-and-update.company-information.service.gov.uk.
- Director photo ID — a valid UK or international passport or a full UK driving licence (photocard). The name must match exactly what is on your Companies House record. If the electronic AML check passes automatically, you may not be asked to upload a scan — but have one ready in case.
- Your company's bank account sort code and account number — the account that will receive the loan and from which repayments will be collected. This account must be in the company's name, not a personal account.
Business bank data — Open Banking or PDF statements
You need to share six months of your company's business bank account transaction history. You can do this in one of two ways:
- Open Banking (recommended) — connect your bank directly during the application. This takes a few minutes, requires no file uploads, and is supported by most major UK business banking providers. See how Open Banking works in your Credicorp application for details.
- PDF statements — download the last six full calendar months of statements from your online business banking and upload them as PDF files. We accept unmodified bank-generated PDFs only; screenshots or Excel exports are not accepted.
Documents you do not need
You do not need to provide management accounts, audited accounts, a business plan, tax returns, or a personal financial statement. Our decision is based on observable bank transaction data and Companies House records, not on projected or historic filed accounts. If you are in doubt about whether a specific document is needed, our team can advise before you start your application.
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 Open Banking is used in your Credicorp application, How Credicorp verifies your business identity and bank account, How Credicorp makes a lending decision.