Yes. Seasonal or irregular income is extremely common — think trades, tourism, event-driven or project businesses — and it does not stop you applying. We look at the pattern over time, not a single month, so a naturally lumpy shape is understood rather than penalised.
We read the pattern, not a snapshot
Because affordability is assessed from your bank activity across a period, a business with quiet and busy stretches shows a rhythm we can read. What we are gauging is whether, across that rhythm, there is genuine headroom to service a repayment — see what does assessing affordability mean.
If you apply in a naturally quiet month, a short note on the seasonality gives useful context. Short-term finance is often used precisely to bridge the gap before a busy season lands — a clear business purpose, per what counts as a business purpose.
Matching the term to the cycle
A short-term loan timed to your cycle — borrowed in the lean stretch, repaid when income returns — can fit seasonal trading well. Model it against your calendar with the planners at Credicorp Tools, and see how funding needs vary by industry at Credicorp for Sectors. Eligibility basics are in whether there is a minimum turnover to apply.
Apply — irregular income and all.
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: Whether there is a minimum turnover to apply, What does 'assessing affordability' actually mean?, What counts as a business purpose?.