2 min read
Hours are not a criterion
Whether you run the company full-time, alongside a job or as an evenings-and-weekends venture, a lender looks at the same thing: does the company generate enough evidenced turnover to afford the repayments? A profitable part-time business is fundable.
What matters instead
Consistent income through the business account, a clean record and affordability. A side business often has lower overheads and can show strong free cash flow, which supports borrowing.
Applying
Show the trading, whatever your hours, and apply online. Credicorp lends with no personal guarantee.
Frequently asked questions
Does a side business count as a real business to lenders?
If it is a registered company generating evidenced income, yes. Lenders assess trading and affordability, not whether it is your main occupation.
Do I need to be full-time to borrow?
No. The company's cash flow decides eligibility, not the director's hours. A part-time business with steady income can borrow.
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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.