Yes — an approaching year-end does not stop you applying. We assess your company's live cash flow rather than a finalised set of year-end accounts, so the exact position in your accounting calendar is rarely the deciding factor.
What actually matters at year-end
Two things can be relevant. First, your filing status: an overdue filing at Companies House is a risk signal, so keeping filings current is worth doing — see whether your Companies House filing status matters. Second, seasonality: if your year-end sits at a naturally quiet or busy point, your recent bank activity may look unusually low or high, and it can help to say so.
If recent trading is atypical because of where you are in the year, a short explanation or a management figure gives useful context — the kind of thing covered in what documents we might ask you to provide.
Timing the borrowing
Many companies borrow short-term precisely to smooth a year-end cash pinch — a VAT or tax bill landing before receivables arrive. That is a clear business purpose; see what counts as a business purpose. Applying mid-year is equally fine, as the corpus note on mid-financial-year applications explains.
Model the repayment first at Credicorp Tools, then apply.
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 your Companies House filing status matters, What counts as a business purpose?, What documents we might ask you to provide?.