Every day the Credit4 team help businesses access the funding they require.

Who are Credit4?

Credit4 aims to provide loans to businesses who need extra funding. Credit4 works closely with applicants and ensures that all their loan decisions are made by humans and not machines.

What type of business funding does Credit4 offer?

Credit4 offers a variety of funding depending on the business’ individual needs. They offer ‘Dual Growth Funding’, 'Secured Business Funding' and 'Flexible Funding Facility' loans.

Dual Growth Funding

Credit4’s ‘Dual Growth Funding’ offers amounts between £30,000 and £150,000 over terms of 12 to 36 months. Businesses can have access to a term loan for either the total funding or just a part of it. This is an unsecured loan that needs to be backed up by a guarantee.

Flexible Funding Facility

Credit4’s ‘Flexible Funding Facility’ offers funding for growing UK SMEs. On offer is between £15,000 and £30,000 for between 3 to 12 months. This loan has no limits or fees for repayment and as with the ‘Dual Growth Funding’, this is also an unsecured loan.

Secured Business Funding

Credit4’s ‘Secured Business Funding’ allows for loan amounts of between £75,000 and £250,000 to be borrowed. These amounts can be borrowed on terms of 12 to 60 months.

How do you apply and qualify for funding with Credit4?

Applying for funding is easy with Credit4, you simply apply for the level of funding you need and demonstrate the reason for funding - usually by providing financial information such as a cash flow forecast.

This application will then be handled by a team member. Once approved, you will be able to draw the loan amount quickly. Depending on the loan you took out, you will be able to repay and redraw funds as needed throughout the loan term on a flexible basis.