Products & services catalogue

Credicorp is a UK lender to incorporated businesses — limited companies and LLPs — offering short-term working capital with no personal guarantee. The platform that originates, decisions and services those loans is exposed as a clean set of APIs, so a partner can wrap our lending in their own brand, embed an “apply for finance” flow in their software, or power a comparison or marketplace experience on top of our decision engine. This page is the menu: each product, what it does, how partners monetise it, and where to read the full reference.

The six building blocks

Apply — originate the loan

The Apply API is the front door. You create an application for a UK company, attach the requested amount and term, and push the borrower through the data-capture journey — either in a Credicorp-hosted page that keeps PII off your servers, or fully white-labelled in your own UI. This is the surface a broker portal, an accounting tool or an embedded-finance product builds against to say “apply for working capital” without ever leaving your brand.

curl -s https://api.credicorp.co.uk/v1/applications \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: app-ord_5512" \
  -d '{
    "business":     { "company_number": "16093826" },
    "amount_pence": 2500000,
    "term_months":  6,
    "purpose":      "working_capital",
    "reference":    "ord_5512"
  }'

Full field reference, hosted-vs-white-label handoff and the application lifecycle are in API reference → Apply.

Decisioning — the credit brain

Decisioning is where the value sits. Credicorp's authoritative AI engine reads the application, weighs identity, open-banking and bureau signals, and returns an outcome — approved, declined or referred — together with a priced offer when approved. The decision is the product: a comparison platform can surface a real, eligible offer rather than an estimate, and an embedded-finance partner can quote terms inline. You consume the decision; you never have to build a credit model.

// decision.completed event payload
{
  "object":        "decision",
  "application_id": "app_8Kd2c9Qm",
  "outcome":       "approved",
  "offer": {
    "amount_pence": 2500000,
    "term_months":  6,
    "total_repayable_pence": 2685000
  }
}

See API reference → Decisioning for the outcome model and offer object.

Payments (PISP) — move the money

Credicorp disburses and collects bank-to-bank over open-banking payment rails, not card networks. The Payments API creates the disbursement on funding and the collection schedule for repayments, so a partner reselling the whole journey never touches a card PAN or holds client money. For partners building treasury, accounting or cashflow tools, this is the surface that reconciles every movement against a loan.

Disbursement, collection schedules, retries and settlement reconciliation are documented in API reference → Payments.

Identity — know the business

Before money moves, the company and its people are verified. The Identity API runs Know-Your-Business (KYB) on the incorporated entity, confirms directors and beneficial owners, and screens against sanctions and PEP lists. White-label partners orchestrating their own onboarding can publish a verification result that decisioning consumes directly; resale partners simply rely on Credicorp running it. Detail lives in API reference → Identity.

Accounts — service the loan

Once funded, a loan becomes an account: balance, schedule, transactions and status. The Accounts API exposes live servicing data so you can show a borrower their position inside your product, or feed funded-loan and repayment entries into a customer's ledger. This is what turns a one-off origination into an ongoing, sticky surface in your app. Full schema in API reference → Accounts.

Webhooks — stay in sync

Everything above emits signed, real-time events — application.submitted, decision.completed, application.funded, payment.settled and more. Subscribe once and your systems stay in lockstep with the lending lifecycle without polling. Verification, retry semantics and the full event catalogue are in API reference → Webhooks.

How partners monetise — indicative economics

There are three commercial shapes, and you can mix them. The figures below are illustrative only — every partner's terms are agreed individually and depend on volume, the depth of integration and who owns the borrower relationship. Nothing here is an offer or a guarantee of rate.

*Illustrative ranges for planning only. Actual revenue-share percentages, volume tiers and payout cadence are set in your partner agreement.

Get started

Pick the blocks you want, request a sandbox client with the matching scopes, and build against the same APIs we run in production. There's no commercial sign-off needed to start testing — the Quickstart takes you from zero to a funded sandbox application in about ten minutes. When you're ready to talk economics, tell us which products and which model fit.