2 min read
Why lenders want trading history
Short-term lenders decide on cash they can see — money into the bank account, invoices paid, sales made. A company with three to six months of real trading is far easier to assess than one incorporated last week, so history opens more doors.
What newer companies can do
If you are early-stage, build a clear record: keep clean bank statements, get your bookkeeping current, and generate visible, steady revenue. A few months of solid trading can be enough. See business loans for startups.
What it means for you
The stronger your trading evidence, the better your options.
Credicorp lends to your company, not to you personally, and takes no personal guarantee. See indicative terms on business loans, or apply online in minutes.
Frequently asked questions
Can a brand-new company borrow?
It is harder, because there is little cash flow to assess. Start-up schemes or director-backed finance may be more suitable until the company has a few months of real trading behind it.
Does more trading history mean a cheaper loan?
Often, yes. A longer, stronger record reduces the lender's uncertainty, which tends to unlock larger amounts and better terms.
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Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.