Relocating your business or fitting out a new site is one of the most capital-intensive decisions a company makes outside of acquiring another business. Deposits, professional fees, contractors, new signage, and equipment all arrive as costs before a single customer visits or a single order ships from the new location. Short-term business finance lets you move decisively without draining reserves you need to keep the existing operation running smoothly during the transition.
Costs that typically need bridging
- Lease deposit and first quarter's rent in advance
- Solicitor, surveyor, and project-management fees
- Contractor and fit-out costs: partitioning, electrics, plumbing, flooring
- IT infrastructure, cabling, and telecoms installation
- New signage, shopfitting, or branded interior elements
- Overlap period costs while running two sites simultaneously
Choosing the right product
Where the fit-out cost is known and largely fixed, a Creditcorp Business Loan provides a clean fixed sum with a defined repayment term — typically structured to start once trading from the new premises is fully up and running. If costs will emerge in phases as the fit-out progresses, Creditcorp Flex allows staged drawdowns so you only borrow what you have spent. For a single large contractor invoice, Creditcorp Slice spreads that bill over three or four weekly instalments at a flat 6% fee.
Managing the transition period
Relocations almost always take longer than planned. Build contingency into your cost estimate and resist borrowing to the exact quoted figure — a 10–15% buffer covers the unexpected without needing a second application mid-project. Make sure the repayment term accounts for any trading disruption during the move itself.
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: Funding a company rebrand with short-term business finance, Financing a company-wide software rollout with short-term business lending.