Most repayment difficulty is predictable if you look ahead. A simple cash-flow forecast is the single most useful habit for staying in control. You do not need accountancy software; a spreadsheet and an honest eye will do.
Map the next few months
List the weeks or months ahead. For each one, write down the cash you expect to come in and the cash you expect to go out, including your loan repayments. The aim is a rolling picture, not a perfect one.
Be honest about timing
- Use realistic dates for when customers actually pay, not when invoices are due.
- Include every committed outgoing, even the easy-to-forget ones.
- Add a small buffer for the unexpected.
Look for the pinch points
Where the running balance dips low or goes negative is where payment pressure will hit. Spotting these in advance is the whole point. A pinch point three months out is a planning problem; the same pinch point on the day is a crisis.
Act on what you see
If a forecast shows a repayment looking tight, that is your cue to contact us early and discuss options before it bites. Whether you hold Credicorp Flex or Credicorp Slice, a forecast turns nasty surprises into manageable conversations.
See also: Can I pause payments if my company hits a cash-flow gap?, Warning signs your company may be heading for payment trouble and Why contacting us early about cash-flow pressure helps your company.