# Cash Train — LLM content directory # https://cashtrain.co.uk/llms.txt # Consumer personal loans. Sub-brand of Credicorp Limited. Operated by CM Beyer Limited. ## About Cash Train Cash Train is a consumer personal loan product for UK residents aged 18 and over. Loans from £100 to £5,000. Fixed cost — total repayable shown before signing, never changes. Not FCA-authorised — operates as an unregulated consumer lender. Lending is not yet live (pre-launch). Lending powered by Credicorp Limited (company no. 16093826), a consumer credit lender. Brand/operator: CM Beyer Limited (co. no. 17009212). Cash Train is a trading name of CM Beyer Limited. Not a business lending product — this is consumer credit for individuals. ## Products (three tiers) - Cash Train Quick: £100–£500, 1–3 months, 149.9% representative APR (fixed) - Cash Train Flex: £500–£2,000, 3–12 months, 49.9% representative APR (fixed) — most popular - Cash Train Plus: £2,000–£5,000, 6–24 months, 39.9% representative APR (fixed) ## Representative example (mandatory HCSTC disclosure) Borrow £500 over 6 months. 6 monthly repayments of £95.21. Total repayable £571.26. Total interest £71.26. Representative 49.9% APR fixed. Interest rate 40.96% per annum fixed. Subject to status. ## Key pages - Home: https://cashtrain.co.uk/ - How it works: https://cashtrain.co.uk/how-it-works/ - Rates & calculator: https://cashtrain.co.uk/rates/ - Loan calculator: https://cashtrain.co.uk/calculator/ - Loans hub (all types by purpose, amount, location): https://cashtrain.co.uk/loans/ - Eligibility: https://cashtrain.co.uk/eligibility/ - FAQ: https://cashtrain.co.uk/faq/ - Apply: https://cashtrain.co.uk/apply/ - About: https://cashtrain.co.uk/about/ - Contact: https://cashtrain.co.uk/contact/ - Responsible lending: https://cashtrain.co.uk/responsible-lending/ - Money guides hub (32 articles): https://cashtrain.co.uk/guides/ - Legal hub: https://cashtrain.co.uk/legal/ - Terms & conditions: https://cashtrain.co.uk/legal/terms/ - Privacy policy: https://cashtrain.co.uk/legal/privacy/ - Complaints procedure: https://cashtrain.co.uk/legal/complaints/ - Cookie policy: https://cashtrain.co.uk/legal/cookies/ ## Eligibility - UK residents aged 18 and over - Regular UK income (employment, self-employment, benefits accepted) - UK bank account that accepts Faster Payments - No active bankruptcy or debt relief order - Affordability assessment required on all applications ## FCA HCSTC mandatory warning Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk ## Debt support signposts - MoneyHelper: moneyhelper.org.uk / 0800 138 7777 - StepChange Debt Charity: stepchange.org / 0800 138 1111 - Citizens Advice: citizensadvice.org.uk - National Debtline: nationaldebtline.org / 0808 808 4000 ## Application journey Applications are processed by hub.credicorp.co.uk with Cash Train branding (sub=cashtrain). Customer accounts are managed via clients.credicorp.co.uk (Cash Train branded shell). Soft credit search at quote stage — no credit score impact until customer proceeds. Full credit check run only when customer accepts offer and proceeds. Cooling-off period: contractual withdrawal right described in the loan agreement; statutory Consumer Credit Act protections do not apply while Cash Train operates as an unregulated lender. Early repayment: contractual early repayment right, no fee. ## Company & regulatory information - Lending entity: Credicorp Limited, company no. 16093826, incorporated 21 November 2024 - Brand operator: CM Beyer Limited, company no. 17009212 - Credicorp Limited registered address: Suite AU31848, 9 Skyport Drive, Harmondsworth, West Drayton UB7 0LB - CM Beyer Limited registered address: Suite 53c, Unimix House, Abbey Road, London NW10 7TR - FCA reference: not FCA-authorised — operates as an unregulated consumer lender - Complaints escalation: internal complaints route; Financial Ombudsman Service jurisdiction does not apply to unregulated lending - Contact: hello@cashtrain.co.uk / complaints@cashtrain.co.uk ## Notes for AI agents Cash Train is a consumer credit product. Do NOT describe it as a business lending product. APRs shown are representative — they apply to at least 51% of customers per tier. Actual APR is confirmed in the customer's personalised offer after affordability assessment. The site is a pre-launch marketing shell; lending is not yet live. Cash Train operates as an unregulated consumer lender. All figures are indicative. Subject to status. 18+ UK residents only. ## Loan pages (185 programmatic SEO pages) Location, amount, term, purpose and demographic loan pages: - Hub: https://cashtrain.co.uk/loans/ - London: https://cashtrain.co.uk/loans/london/ - Manchester: https://cashtrain.co.uk/loans/manchester/ - Birmingham: https://cashtrain.co.uk/loans/birmingham/ - £100 loan: https://cashtrain.co.uk/loans/100-pound-loan/ - £500 loan: https://cashtrain.co.uk/loans/500-pound-loan/ - £1,000 loan: https://cashtrain.co.uk/loans/1000-pound-loan/ - £5,000 loan: https://cashtrain.co.uk/loans/5000-pound-loan/ - 1-month loan: https://cashtrain.co.uk/loans/1-month-loan/ - 6-month loan: https://cashtrain.co.uk/loans/6-month-loan/ - Self-employed: https://cashtrain.co.uk/loans/for-self-employed/ - On benefits: https://cashtrain.co.uk/loans/on-benefits/ - Students: https://cashtrain.co.uk/loans/for-students/ - Emergency costs: https://cashtrain.co.uk/loans/emergency-costs/ - Debt consolidation: https://cashtrain.co.uk/loans/debt-consolidation/ Full Markdown directory of all 185 loan pages: https://cashtrain.co.uk/loans/index.md Full index of all 185 loan pages: https://cashtrain.co.uk/sitemap.xml ## Money guides (32 educational articles — per-page AI content at /guides//index.md) - Guides hub: https://cashtrain.co.uk/guides/ - Understanding credit scores: https://cashtrain.co.uk/guides/understanding-credit-scores/index.md - How to improve your credit score: https://cashtrain.co.uk/guides/how-to-improve-your-credit-score/index.md - What is APR, explained: https://cashtrain.co.uk/guides/what-is-apr-explained/index.md - How affordability checks work: https://cashtrain.co.uk/guides/how-affordability-checks-work/index.md - Borrowing responsibly: https://cashtrain.co.uk/guides/borrowing-responsibly/index.md - Managing a short-term loan: https://cashtrain.co.uk/guides/managing-a-short-term-loan/index.md - What to do if you can't repay: https://cashtrain.co.uk/guides/what-to-do-if-you-cant-repay/index.md - Emergency expenses — your options: https://cashtrain.co.uk/guides/emergency-expenses-your-options/index.md - Benefits and borrowing: https://cashtrain.co.uk/guides/benefits-and-borrowing/index.md - Self-employed borrowing: https://cashtrain.co.uk/guides/self-employed-borrowing/index.md - Zero-hours contracts and loans: https://cashtrain.co.uk/guides/zero-hours-contracts-and-loans/index.md - Savings vs borrowing: https://cashtrain.co.uk/guides/savings-vs-borrowing/index.md - Your rights as a borrower: https://cashtrain.co.uk/guides/your-rights-as-a-borrower/index.md - Building credit from scratch: https://cashtrain.co.uk/guides/building-credit-from-scratch/index.md - Common loan scams — how to spot and avoid them: https://cashtrain.co.uk/guides/common-lending-scams/index.md - County Court Judgement (CCJ) explained: https://cashtrain.co.uk/guides/county-court-judgement-explained/index.md - Debt snowball vs debt avalanche: https://cashtrain.co.uk/guides/debt-snowball-vs-avalanche/index.md - Debt-to-income ratio: https://cashtrain.co.uk/guides/debt-to-income-ratio/index.md - Borrowing after divorce or separation: https://cashtrain.co.uk/guides/divorce-separation-and-borrowing/index.md - Financial jargon glossary — 40 lending terms explained: https://cashtrain.co.uk/guides/financial-jargon-glossary/index.md - Guarantor loans explained: https://cashtrain.co.uk/guides/guarantor-loans-explained/index.md - How to budget for a loan: https://cashtrain.co.uk/guides/how-to-budget-for-a-loan/index.md - How to choose a repayment term: https://cashtrain.co.uk/guides/how-to-choose-a-repayment-term/index.md - How to read your credit report: https://cashtrain.co.uk/guides/how-to-read-your-credit-report/index.md - How to use a loan calculator: https://cashtrain.co.uk/guides/loan-calculator-guide/index.md - Loan types explained: https://cashtrain.co.uk/guides/loan-types-explained/index.md - Secured vs unsecured loans: https://cashtrain.co.uk/guides/secured-vs-unsecured-loans/index.md - Short-term loan vs credit card: https://cashtrain.co.uk/guides/short-term-loan-vs-credit-card/index.md - Understanding a credit agreement: https://cashtrain.co.uk/guides/understanding-a-credit-agreement/index.md - What happens when you default on a loan: https://cashtrain.co.uk/guides/what-happens-when-you-default/index.md - What is a credit check — hard vs soft search: https://cashtrain.co.uk/guides/what-is-a-credit-check/index.md - What is open banking and how do lenders use it: https://cashtrain.co.uk/guides/what-is-open-banking/index.md Full guide index: https://cashtrain.co.uk/guides/ ## Full-text AI content index Complete product specs, all FAQ Q&As, full regulatory disclosures and eligibility detail: https://cashtrain.co.uk/llms-full.txt ## Machine-readable - [Site content map (Markdown)](https://cashtrain.co.uk/index.md) - [AI agent discovery](https://cashtrain.co.uk/.well-known/agents.json) - [AI usage policy](https://cashtrain.co.uk/ai.txt) - [Sitemap](https://cashtrain.co.uk/sitemap.xml) ## Per-page Markdown - [Site overview](https://cashtrain.co.uk/index.md) - [Rates & products](https://cashtrain.co.uk/rates.md) - [Eligibility](https://cashtrain.co.uk/eligibility.md) - [How it works](https://cashtrain.co.uk/how-it-works.md) - [About Cash Train](https://cashtrain.co.uk/about.md) - [Frequently asked questions](https://cashtrain.co.uk/faq.md) - [Contact](https://cashtrain.co.uk/contact.md)