Flexible Funding for your business

Credit4 is a provider of guarantee-backed, flexible funding 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 may have a solution.

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 Funding Solutions

Credit4 Flexible Facility

  • Gives growing SMEs access to flexible funding
  • Amounts of between £15,000 and £30,000*, for terms of 3 to 12 months
  • Interest is serviced fortnightly, with the outstanding principal being payable in lump sums or one bullet payment 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
  • A suitable Personal Guarantee (PG) from all Directors/Principals of the business is required

*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 £30,000 and £100,000, for terms of 12 to 24 months
  • For funding up to £60,000 the funding is split half as a flexible facility and half as a term loan
  • For funding between £60,000 and £100,000 the funding split is £30,000 (maximum) flexible facility with the residual funding as a term loan
  • Two different elements of funding within one agreement
  • A suitable Personal Guarantee (PG) from all Directors/Principals of the business is required

Choose the funding
that suits your needs

Take a few minutes
to enquire 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

“The big difference between Credit4 and the banks is that they were interested in us as an individual business, rather than needing to meet certain criteria. Alan, the Credit Analyst, was fantastic, he listened to what we were trying to do and put our requirements at the heart of the discussion. After being ignored by high street lenders, we were looking for a partner that would assess us as...

Steve Dickinson, Managing Director, Big Story
View more testimonials