Fraudsters often impersonate lenders and ask for sensitive information that a genuine firm would never need. Understanding what we will never ask for is one of the quickest ways to identify a scam.
Things we will never ask for
- Your full password. We will never ask you to provide your account password in full, by phone, email, SMS, or any other channel.
- One-time codes or 2FA tokens. We will never ask you to read out or share an authentication code you have received — if someone is asking for this, they are likely trying to hijack your account.
- Upfront fees to release a loan. Legitimate lenders do not ask for fees to be paid before funds are disbursed. Any advance-fee demand is a strong indicator of fraud.
- Urgent bank transfers to a new or unverified account. We will not ask your company to make an unexpected payment to an account that differs from your normal repayment arrangements.
- Director personal bank account details. Our lending is to the company; we do not require directors' personal financial information as a routine matter.
If something feels off, treat it as suspicious
Trust your instincts. If a call, email, or message creates pressure to act immediately and bypasses your normal process, pause. Hang up or close the message, then contact us directly using details you find independently on our official website.
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: How do I spot a phishing email pretending to be Creditcorp?, How do I report a suspicious message claiming to be Creditcorp?.