2 min read
The seasonal question
A lender wants to see that annual cash flow comfortably covers repayments, not just the busy season. A forecast showing you can service the loan through the lean months answers it — check yours with the affordability calculator.
Structuring around it
A term that fits your annual cycle, plus a cash buffer built in peak, keeps repayments comfortable off-season. Sector context helps too — see business finance by sector.
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 a seasonal business get a loan?
Yes. Lenders assess the full annual cash flow. If the peak comfortably covers the quiet months’ repayments, seasonality is not a barrier.
How do I manage repayments off-season?
Structure the term to your cycle and build a cash buffer during the peak so the quiet months are covered without strain.
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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.