Yes. A genuinely seasonal business — one that trades intensely for part of the year and quietly the rest — can apply. We understand that shape and read the full cycle, not just the month you happen to apply in. What matters is that the trading is real and the repayment fits the pattern.
Reading a seasonal cycle
Because we assess activity over a period, an off-season lull is visible as part of a rhythm rather than mistaken for a failing business — the same principle as can i apply if my turnover is seasonal or irregular. If you apply out of season, a short note on the cycle helps set expectations.
A short-term loan taken in the quiet months and repaid when the season returns can fit beautifully — but the term needs to reach your income. Model it against your calendar at Credicorp Tools.
Sector context
Seasonal trades — tourism, agriculture, events, some retail — are covered in the industry guides at Credicorp for Sectors. Eligibility basics remain the same — whether there is a minimum turnover to apply and which business types can apply.
Apply around your season.
We lend only to UK limited companies and LLPs, the loan is to the company with no director personal guarantee, and this is business finance outside the consumer-credit regime — as an exempt lender under Article 60B of the Regulated Activities Order we sit outside FCA consumer-credit regulation, so the Financial Ombudsman Service and FSCS do not apply.
See also: Can I apply if my company's turnover is seasonal or irregular?, Does the time of year I apply make any difference?, Whether there is a minimum turnover to apply.