2 min read
No premises, no problem
A physical shopfront is not an eligibility requirement. What a lender needs is a clear, verifiable picture of income — and an online business often has richer data than a bricks-and-mortar one: payment-processor statements, marketplace reports and a clean business bank feed.
How digital revenue is read
Card settlements, subscription income and marketplace payouts all evidence turnover. Seasonality and refund rates get weighed in. If your sales run through a platform, borrowing against future sales may also fit.
Applying
Have your bank statements and processor reports ready. Size it with the turnover affordability tool and apply online.
Frequently asked questions
I have no business address — can I still borrow?
Your registered office is enough. Lenders do not require a trading premises; they require evidence of income, which online sales provide.
Does dropshipping count as trading?
If it generates real, evidenced revenue through your accounts, yes. Thin margins and high refund rates will be factored into affordability.
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Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.