Importing goods stretches the gap between paying and earning. You often pay a supplier deposit, settle the balance before shipping, and cover freight, duty, and VAT at the border — all weeks or months before the stock reaches your customers. A Credicorp loan can fund that long import cycle so an overseas order does not drain your working capital.
Cost the landed price, not the invoice
The supplier's price is only part of the story. Build a full landed cost that includes shipping, insurance, customs duty, import VAT, and any port or handling charges. Borrowing against the true total avoids a shortfall when the goods clear the border.
Manage the timing risks
- Allow for shipping delays and longer-than-expected lead times.
- Consider currency movement between order and payment.
- Match your repayments to when the imported stock is likely to sell.
How we lend
Credicorp lends only to UK limited companies and LLPs for business purposes. The loan is to the company, with no personal guarantees from directors. Credicorp Flex can fund recurring import runs; Credicorp Slice suits a single large shipment. Repay over your agreed term at the rate shown in your offer.
As an exempt business lender, Credicorp is outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply.
See also: Funding stock purchases ahead of a busy period, How can a retailer fund seasonal stock? and Marketplace payout delays and how funding bridges them.