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 routing verdict

  • Product: SME term loan + revolving credit.
  • Ticket band: £25k to £250k.
  • Decision time: 24 to 72 hours.
  • Pricing: From around 9% APR.
  • Soft search at quote stage: no credit-file footprint.
  • FCA-authorised.

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 (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • 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.

When we route elsewhere

  • 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Credit4 decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Credit4 and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-05-08. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+