Creditcorp funds its loan book through a combination of proprietary capital and committed institutional funding lines. We do not rely on retail deposits, peer-to-peer lending platforms, or crowdfunded money, which means our ability to lend is not dependent on the flow of third-party investors in the same way marketplace models are.
Why funding structure matters to borrowers
A lender's funding model affects speed, consistency, and appetite. Because we commit our own capital alongside institutional lines rather than syndicating each loan to retail participants, we can move quickly and maintain a consistent credit appetite across market conditions. You deal with one counterparty throughout the life of the facility.
Stability and continuity
Funding lines are committed in advance and reviewed periodically at an institutional level rather than drawn down ad hoc. This means that once a facility is agreed with you, the capital behind it is in place — there is no risk of a funding shortfall mid-term caused by retail investors withdrawing funds from a marketplace platform.
No deposit-taking
Because Creditcorp does not accept deposits from the public, money you hold is not covered by the FSCS deposit-protection scheme. Our funding model is designed around the business-lending market, not retail savings, and that distinction shapes how we are structured and capitalised.
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: Is Creditcorp a bank?, Who is Creditcorp?, What is Creditcorp's UK regulatory position?