Retailers, wholesalers and product businesses often need to buy stock weeks or months before they can sell it. Suppliers want paying on order or delivery, but your cash only comes back once the goods are sold. That front-loaded spend can leave a healthy business short of working cash exactly when it needs to be ready to trade.
Why timing matters
If you cannot fund the stock, you miss the season. Empty shelves during your busiest weeks cost far more than the finance to fill them. The opportunity is real, but only if the inventory is in place when customers are buying.
How a facility helps
- Lets you place larger orders and meet supplier minimums.
- Helps you secure better unit pricing through bulk or early purchase.
- Keeps everyday cash free for wages, rent and overheads while stock is bought.
Match the term to the sell-through
Stock finance works best when the repayment lines up with how quickly you expect to sell. You repay over your agreed term at the rate shown in your offer. Be realistic about sell-through; over-ordering slow-moving stock turns a cashflow tool into a cashflow problem.
Credicorp lends only to UK limited companies and LLPs for business purposes, never to individuals or sole traders, and we take no personal guarantees. As an exempt lender we sit outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply.
See also: How can a retailer fund seasonal stock?, Can I use a Credicorp loan to buy stock ahead of a busy season? and Funding import orders, duties, and shipping.