2 min read
Debt keeps you in charge
Borrowing is a contract to repay; it gives the lender no shares, no board seat and no vote. You keep full ownership and control — the opposite of raising equity, where investors take a stake and a say.
The one thing to watch
Some agreements include covenants restricting big moves — new borrowing or asset sales — without consent. Read them, and prefer simpler facilities with lighter conditions to keep maximum freedom.
What it means for you
Credicorp lends to your company, not to you personally, and takes no personal guarantee. An unsecured, no-personal-guarantee loan funds growth while you keep full ownership and control. See business loans or apply online.
Frequently asked questions
Does a business loan dilute my ownership?
No. Debt gives the lender no shares or votes. You keep 100% of the company and simply repay. Equity, by contrast, sells a stake and a say.
Can a loan restrict my decisions?
Only through covenants that limit certain moves without consent. Read them and favour facilities with lighter conditions for maximum freedom.
Related reading
What is a covenant on a business loan?
A covenant is a condition in the loan agreement — a promise to do something or keep within a limit — and…
Read →Is borrowing more than I need a risk?
Borrowing more than you need means paying interest on money you are not using and carrying a larger repayment…
Read →Does taking out a loan signal that my business is in trouble?
Borrowing is a normal, healthy tool for growth and cash-flow smoothing — not a distress signal in itself. How…
Read →How do I keep control of my business borrowing?
Stay in control by borrowing for a clear purpose, keeping repayments comfortably affordable, avoiding a stack…
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.