2 min read
Headcount is not a criterion
Lenders repaid from cash flow care whether the company can afford the repayments, not how many staff it has. A single-director company with one employee and reliable income is perfectly fundable.
What actually gets checked
Turnover, margin, bank conduct and any existing debts — the same underwriting checks that apply to any company. A lean team can be a strength: lower overheads often mean stronger free cash flow.
Sizing it right
Borrow against what the business genuinely earns. Use the affordability calculator, then business loans or apply online. Credicorp takes no personal guarantee.
Frequently asked questions
Is a micro-business too small to borrow?
No. Micro and one-person limited companies borrow regularly. The test is affordability and a clean trading record, not size.
Do lenders prefer bigger teams?
Not for a cash-flow-based facility. A small team with strong margins can be an easier lend than a larger one running at breakeven.
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Does my turnover affect how much I can borrow?
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Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.