White-label lending
Offer fast, unsecured working capital to your business customers entirely under your own brand. Your customers see your name, your colours and your product; Credicorp is the lender of record behind the glass — underwriting, funding, servicing and carrying the entire regulated obligation.
White-label is the deepest form of distribution in the partner programme. Where the reseller tier introduces a borrower to Credicorp and hands them off, white-label keeps the borrower inside your experience from first impression to drawdown. The lending is still Credicorp’s regulated activity — you never become a lender — but to your customer the facility looks and feels like a product you offer. It is the right fit when finance is a natural extension of what you already sell: an accounting platform that funds its users, a marketplace that advances working capital to its sellers, a franchisor that backs its franchisees.
What “white-label” means here
Two things are true at once: the surface is yours, the lending is ours.
- Your brand on the surface. Logo, palette, typography, domain and copy on the application journey, the offer screen and the borrower’s account area. Sent from your sub-domain, themed to your design tokens.
- Our licence underneath. Credit decisioning, the money movement, servicing, collections, statements and every regulated obligation sit with Credicorp. None of it touches your balance sheet or your permissions.
- One integration, two surfaces. Use our hosted journey themed to your brand for the fastest launch, or drive the same decision engine through the API and render the screens in your own front end. Most partners start hosted and graduate to API.
What you control, what we own
The line is clean and it never blurs — which is exactly what keeps you outside the regulated perimeter.
| You control | Credicorp owns |
|---|---|
| Brand, design tokens, domain & copy | The lending decision & risk |
| Where and when the offer appears | Funding, disbursement & money movement |
| The customer relationship & support framing | Servicing, collections & statements |
| Which of your customers you target | Every regulated & AML obligation |
| Your commercial terms with Credicorp | Borrower data security & PII handling |
How it works
Theme once
Register a brand profile — logo, colours, sender domain. Every journey you open inherits it, so the borrower never leaves your world.
Open a journey
Create a branded application session for a customer with one call. We return a themed journey_url (hosted) or the decision objects to render yourself (API).
We fund, you earn
Credicorp underwrites, disburses and services. You receive lifecycle webhooks and a reconciled statement; your share settles monthly.
Theme the hosted journey
A brand profile is a small JSON document. Once registered, reference it by id when you open a journey and the entire hosted flow renders in your brand.
{
"name": "Meridian Capital",
"domain": "finance.meridian.co.uk",
"logo_url": "https://meridian.co.uk/logo.svg",
"colors": { "primary": "#0b5d3b", "accent": "#d4a017" },
"from_name": "Meridian Capital",
"support_email": "[email protected]"
}Open a branded journey
Send the company you want to fund and your brand id. The borrower completes a fully branded application; you are notified at every step.
curl -s https://api.credicorp.co.uk/partner/v1/journeys \ -H "Authorization: Bearer $TOKEN" \ -H "Idempotency-Key: jrny-7741" \ -d '{ "brand_id": "brand_meridian", "business": { "company_number": "16093826" }, "amount_pence": 4000000, "term_months": 9, "redirect_url": "https://finance.meridian.co.uk/done" }'
const jrny = await cc.partner.journeys.create({ brand_id: 'brand_meridian', business: { company_number: '16093826' }, amount_pence: 4000000, term_months: 9, redirect_url: 'https://finance.meridian.co.uk/done', }, { idempotencyKey: 'jrny-7741' }); // Borrower sees YOUR brand end to end redirect(jrny.journey_url);
Prefer to build the screens yourself? Skip the hosted journey and call Decisioning directly — you get the same indicative offer object and render it in your own UI, while Credicorp still owns the regulated decision and the funding.
Who lends, and who is regulated
White-labelling Credicorp does not make you the lender. Credicorp Limited is the lender of record on every facility and holds all the obligations that come with that. Because the lending is to UK incorporated companies, it sits outside FCA consumer-credit regulation — you are a distribution partner surfacing a business product, not arranging regulated consumer credit. Your brand on the journey does not change who carries the risk or the permission.
The commercial model
White-label partners are typically priced on a wholesale basis — Credicorp prices the facility to you, and the margin between that and what your customer pays is yours — or on revenue share, whichever suits your model. Either way you earn across the life of every facility, not on clicks or applications.
Pricing, bands and settlement cadence are illustrative and agreed in your partner agreement. Nothing here is an offer or a guarantee of earnings.
Getting started
Talk to us
Tell us your brand, your customers and whether you want hosted or API. We agree wholesale or revenue-share terms.
Theme & test
Register your brand profile in sandbox and open test journeys end to end against test companies.
Launch
Sign the white-label agreement, point your sub-domain at the hosted journey, and go live under your own name.
Put lending in your brand
Give your business customers working capital that looks like your product and runs on our licence. Tell us about your brand and we’ll set up a themed sandbox.