Seasonal businesses live with a feast-and-famine cash cycle: strong trading in some months and thin trading in others, often with stock or staffing costs landing before the busy season arrives. Credicorp Flex is built for exactly that kind of uneven rhythm.
Why the revolving shape helps
- You can draw ahead of a peak to fund stock, staff, or marketing.
- You repay as the season delivers income, restoring your headroom.
- You then have the facility ready again for the next cycle without reapplying.
Examples of seasonal pressure
A hospitality company gearing up for summer, a retailer stocking for a festive peak, or a landscaping firm carrying staff through quieter winter months all face the same pattern: spend now, earn later. Flex lets you bridge that gap and then clear the balance when the season pays off.
Plan the whole cycle
The key is to plan a full year, not just the next peak. Know when your quiet months fall and make sure your repayment plan accounts for them. Borrow against the season you can see coming, repay from its income, and keep some headroom for the lean stretch. Check the rate and terms in your offer against your seasonal calendar before committing.
See also: Is Flex secured, and do directors need to give a guarantee?, Does Flex affect my company's credit profile?, Who is eligible for Credicorp Flex?.