If your trade has clear busy and quiet seasons, a lean few months should not be a crisis — it should be planned for. We can shape payments around the shape of your year.
Plan the dip in advance
The best time to arrange a seasonal reduction is before the quiet months, not during them. Tell us your pattern and we can agree lower payments through the lean period and a step-up when trade returns, so the loan tracks your real cash flow.
Keep some momentum
Even in the quiet months, keeping some payment going reduces the interest that accrues at 0.25% per day and keeps the balance falling. A full pause is available if genuinely needed, but a reduced payment usually costs less overall while still easing the pressure.
Build a buffer in the good months
The lasting fix for seasonality is a cash buffer built when trade is strong. Set aside a little each busy week so the next quiet season is funded from savings, not borrowing.
Speak to us before the season turns so the plan is in place when you need it.
We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.
See also: Seasonal businesses and managing repayments in quiet periods, Seasonal businesses: managing the quiet months, How to build a simple cash-flow forecast to stay ahead.