Flexible Funding for your business

Credit4 is a provider of guarantee-backed, flexible lending facilities of between £15,000 and £100,000, for growing UK SMEs.

Whether your business requires short term funding for new growth, current business expansion or if your business has an opportunity but is constrained by access to funding, Credit4 could help.

We understand that all businesses are different…

SMEs are vital to the UK economy and should not be constrained by lack of the right type of financing.

We aim to provide growing SMEs with the financing to unlock their potential.

We believe in transparency, honesty and getting to know the businesses that we finance.

Introducing our flexible growth funding

Credit4 Flexible Facility

  • Gives growing SMEs access to flexible funding
  • Amounts of between £15,000 and £50,000*, for terms of 3 to 12 months
  • Interest must be paid fortnightly, with the outstanding principal being payable in one lump sum at the end of the term
  • Repay and redraw capital amounts during the term (subject to minimum amounts)
  • No maximum number of drawings or repayments
  • The only security required is a personal guarantee from all Directors/Principals of the borrowing business

*Sole traders and partnerships may only apply for amounts exceeding £25,000 and for business purposes

Credit4 Dual Growth Funding

  • For SMEs that have been trading for at least 12 months and require more traditional funding as well as flexibility to grow their business
  • Amounts of between £50,000 and £100,000, for terms of 12 to 24 months
  • Access to a term loan for 50% of the total funding requested, repayable monthly
  • Access to a Flexible Facility for 50% of the total funding requested
  • Two different types of funding under one agreement
  • The only security required is a personal guarantee from all Directors/Principals of the borrowing business

Choose the funding
that suits your needs

Take a few minutes
to apply online

Speak to a dedicated relationship manager who will guide you through the process

Upon approval,receive your funds into your business account and start to grow your business

“Credit4 are personable, straightforward, reliable and very engaged in what they are doing – they took the time to get to know my business properly and kept me informed at all stages. The personal approach was refreshing – it was not a “computer says no” attitude. I hope to see their name in lights and shouted from the rooftops.”

Chris Metalle, LHI
View more testimonials