2 min read
Why cash beats profit here
Lending rests on the cash available to service the debt, not paper profit. A business with modest margins but strong, reliable cash inflows can comfortably support repayments. See profit vs cash flow.
Making the case
Show clean bank activity and a clear debt service cover from your cash flow. Steady, visible cash is exactly what a working-capital lender wants to see.
What it means for you
Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online.
Frequently asked questions
Can I borrow with low profit?
Often yes, if your cash flow is strong. Lenders assess the cash available to service the debt, so steady, reliable inflows can support borrowing even with modest profit.
Why do lenders focus on cash, not profit?
Because cash is what actually pays the repayments. Profit can be strong while cash is tight, or modest while cash is healthy. Cash flow is the truer test of affordability.
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Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.