Credit4
London-based direct lender focused on the £25k to £250k SME ticket band. Combined fixed-term loan plus revolving facility under one credit limit, which is unusual in the UK SME market. Underwrites mid-prime cases that fall between fintech term lenders and high-street banks.
Quick verdict
- Product: SME term loan + revolving credit.
- Ticket band: £25k to £250k.
- Pricing: From around 9% APR.
- Credit4 says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Credit4, at a glance
- Legal entity
- Credit4 Limited
- Companies House
- 08738775
- Founded
- 2013
- Product
- SME term loan + revolving credit
- Ticket range
- £25k to £250k
- Decision time
- 24 to 72 hours
- Ltd-only
- Yes
Where Credit4 is strong
- Combined term loan + revolver under one limit; rare structure in the UK.
- Direct lender; no broker mark-up.
- Comfortable with mid-prime cases mainstream lenders refuse.
- Decisions in 24 to 72 hours.
Watch-outs, and when another lender may suit better
- Smaller brand vs Funding Circle or iwoca.
- Below £25k not entertained.
- Limited Trustpilot footprint to verify reputation.
Best fit applicants
- Established Ltd companies
- £25k to £250k tickets
- Working capital plus drawdown flexibility
Where Credit4 is the wrong fit
- Sub-£25k tickets
- Sole traders
- Sub-2-year trading
If declined by Credit4
If your application to Credit4 is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Credit4
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Credit4?
Credit4 offers sme term loan + revolving credit. Ticket range: £25k to £250k. Typical rate: From around 9% APR.
How long does Credit4 take to decide?
24 to 72 hours Credit4 says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Credit4 the best fit for?
First on the list: Established Ltd companies. The full list is under Best fit applicants above.
When might another lender suit better than Credit4?
First on the list: Sub-£25k tickets. The other cases are under Where Credit4 is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Credit4
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.