2 min read
Assets are not the test for cash-flow lending
A secured loan leans on collateral; an unsecured, cash-flow facility leans on income. A consultancy or agency with no premises or machinery can still generate strong, evidenced turnover — which is exactly what a no-collateral lender assesses.
What replaces collateral
Consistent bank receipts, a healthy margin and a clean record. Because Credicorp takes no personal guarantee and does not require assets, your ability to repay from cash flow is the whole case.
Applying
Show 3-6 months of trading through the business account and apply online.
Frequently asked questions
Do I need to own property to get a business loan?
No. Cash-flow lending is repaid from income, not assets. Asset-light service and digital companies borrow on their trading record.
Is an unsecured loan harder to get with no assets?
Not inherently — an unsecured facility never relied on your assets. It relies on evidenced cash flow, which an asset-light business can show just as well.
Related reading
Do I need collateral for a business loan?
No, not always. Plenty of business lending is unsecured, meaning no specific asset is pledged as collateral…
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Can I get a business loan without collateral?
Yes. You can get a business loan without pledging collateral — this is called unsecured lending, and it is…
Read →Secured vs unsecured business finance
What changes when a loan is backed by an asset — and the trade-offs for a growing company.
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Will a past default stop me borrowing again?
A previous default on a business loan is a significant adverse entry but does not permanently prevent future…
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.