Stock and supplier payments are some of the most common reasons UK companies feel cash-flow pressure. You often have to pay for goods before you have sold them, or settle a supplier invoice well before your own customers pay you. Credicorp Flex can help bridge that timing gap.
Where Flex can help
- Buying stock in larger, more cost-effective quantities ahead of demand.
- Paying a key supplier promptly to keep a good relationship or secure early-payment terms.
- Smoothing the gap between paying for goods and being paid for the finished sale.
The discipline that makes it work
Stock financing only works if the stock actually sells. Draw against goods you are confident you can move, and plan to repay the drawing from the sales it generates. Tie each drawing to a clear, expected return rather than buying speculatively and hoping.
Keep the facility flexible
Because Flex revolves, repaying after a sale restores your headroom for the next purchasing cycle. Avoid letting stock drawings stack up faster than they clear, since charges apply to what stays drawn at the rate in your offer. Used with discipline, Flex turns awkward supplier timing into a manageable, repeatable cycle.
See also: Who in my company can manage the Flex facility?, Funding everyday working capital for your company, How Flex charges show up, per drawing.