2 min read
Why January bites
For many businesses, January follows a strong December with a sharp drop in sales, while fixed costs continue and a VAT quarter and tax deadlines often land. It is a classic, predictable seasonal dip.
How to fund it
Ring-fence cash from the December peak, forecast the January outgoings, and keep a short facility ready to bridge the gap, repaid as trade recovers. Read managing seasonal cash flow.
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
Why is January hard for cash flow?
Takings often fall after the festive peak while fixed costs continue and VAT and tax bills land. The combination squeezes cash even in a profitable business.
How do I prepare for a quiet January?
Save a buffer from the December peak, forecast the January outgoings, and have a short facility ready to bridge the gap. Planning in December beats scrambling in January.
Related reading
How do I manage a seasonal cash-flow dip?
Plan for the trough while you are still in the peak — forecast the dip, save a buffer in the busy months, and…
Read →
How do retailers manage seasonal cash flow?
Retailers buy stock ahead of demand and face quiet months between peaks — the answer is to forecast the…
Read →I need cash before a VAT deadline — what are my options?
If a VAT bill is due and cash is short, act early: arrange a Time to Pay with HMRC or use short-term finance…
Read →
How Do Coach Operators Fund Vehicles and Quiet Seasons?
Coach operators own a high-value fleet and face a seasonal income swing, busy with tours and school runs in…
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.