2 min read
Why one big customer is a flag
A lender repaid from cash flow asks: what happens if that customer leaves? Reliance on a single client — say 60-80% of turnover — concentrates the risk. It does not block borrowing, but it is assessed closely.
How to strengthen the case
A signed, ongoing contract or framework agreement, a long payment history and evidence of a growing second and third customer all help. If the big client is blue-chip and the contract has term left, that reassures. Invoice-based borrowing can also suit concentrated books.
Applying
Bring the contract and 6-12 months of statements showing steady receipts. Assess a sensible amount with the affordability calculator, then apply online.
Frequently asked questions
Will one customer stop me borrowing?
Not necessarily. It raises the scrutiny on how stable and contracted that relationship is. A funded book can be concentrated if the anchor client is reliable.
Does a contract with the client help?
Yes, materially. A signed ongoing contract with remaining term evidences that the income is not about to vanish, which directly supports affordability.
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