2 min read
What they look at
Underwriting blends your affordability, length and stability of trading, credit conduct, sector risk, and whether the loan’s purpose makes commercial sense. The full picture matters more than any one number.
Lowering your risk
Clean records, current management accounts, a realistic forecast and a clear use of funds all reduce perceived risk and can improve pricing. Read the underwriting guide and how to prepare.
What it means for you
Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online.
Frequently asked questions
What matters most in a lending decision?
Affordability — whether your cash flow comfortably covers the repayments — is usually the single biggest factor, alongside trading and credit history.
How do I look like a lower risk?
Keep clean records, provide current figures and a realistic forecast, and set out a clear, sensible use for the funds.
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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.