Moving a working warehouse is not the same as opening a new one. For a logistics, wholesale, or distribution company, the relocation itself carries a cluster of costs that all land in a tight window — and most of them hit while the operation is half-packed and not running at full tilt. A Credicorp facility can fund that changeover so the move doesn't drain the working capital your day-to-day trading still depends on.
What this covers — and what it doesn't
This article is about the move: the physical relocation of stock, racking, and handling kit from one unit to another, plus the overlap and downtime that go with it. It is distinct from the things either side of it. Standing up a brand-new branch is covered in funding expansion into a second site or location; reconfiguring or refitting the space you land in is funding a premises fit-out or refurbishment; and buying racking and shelving in the first place is funding warehouse storage, racking, and handling kit. This is the bit in between — getting from the old building to the new one.
It is also not property finance. Credicorp is an unsecured business lender; we do not provide a commercial mortgage or any secured loan against the building. If you are buying the new premises outright, that part needs a property lender. We fund the working-capital side of the relocation.
Costs a relocation facility can cover
- Specialist removals — pallet movement, vehicle hire, and the labour to load and unload at both ends.
- Dismantling, transporting, and re-installing racking, mezzanine, and pallet-handling equipment, plus any re-certification the new layout needs.
- A dual-rent overlap, where you hold both units for a few weeks so the move can happen without slamming the doors on trading.
- Dilapidations and making-good on the unit you are leaving, which a lease often requires before the deposit is returned.
- Temporary cover — agency pickers, extra shifts, or short-term outsourced storage — to keep orders going out during the changeover.
Bridging the downtime
The part that catches relocating operators out is rarely the removal van — it is the dip in throughput while the warehouse is in transit. Picking slows, dispatch backs up, and the cash that normally comes in from steady fulfilment thins out for a fortnight or two even as costs spike. Treat that trough as a planned, fundable event rather than a surprise. If the squeeze is purely a timing mismatch between money out now and money in once you are settled, our note on bridging a short-term cashflow gap covers how a facility smooths it.
How it works
You apply as a UK limited company or LLP for the business purpose of relocating. If we make an offer, you draw the funds to cover the move and the overlap, then repay over the agreed term at the rate shown in your offer document — set after underwriting rather than quoted in advance. Credicorp Slice suits a single, defined relocation budget; Credicorp Flex helps where the spending lands in stages across the move, from deposit on the new unit through to making good the old one.
Plan the whole move, not just the van
Cost the relocation end to end — overlap rent, re-racking, downtime cover, and dilapidations together — rather than the headline removal quote alone, since the surrounding costs usually outweigh it. Match repayments to how quickly the new site is expected to be running at full capacity, and keep some working-capital headroom for the first trading weeks after you land. If the new unit also brings ongoing occupancy costs, see funding business rates and rent.
The loan sits with the company, and we take no personal guarantee from directors. As an exempt business lender outside the FCA consumer-credit regime, Credicorp facilities are not covered by the Financial Ombudsman Service or FSCS. To talk an upcoming move through, get in touch via contact us.
See also: Bridging a late CIS or VAT refund, Bridging an R&D tax credit claim, Bridging the gap between one contract ending and the next starting.