Plenty of businesses are seasonal — busy summers and quiet winters, or the reverse. A repayment schedule works best when it respects that rhythm rather than assuming income is flat across the year.
Map the year first
Put your collection dates alongside your expected income month by month, so you can see which months are comfortable and which are tight. That map is the whole game — it turns a surprise into a plan. See setting up a payment schedule.
Build a buffer in the good months
The most powerful move for a seasonal business is to set aside cash in the strong months to cover collections in the lean ones. A buffer of a few instalments smooths the whole year. See paying ahead to build a buffer.
If a quiet stretch is genuinely tight
If the trough is severe, talk to us before it hits about aligning the schedule to your season or a short arrangement over the quiet months — see restructuring your repayments and can I change my payment date. Sector-specific funding patterns are covered across our lending-by-sector guides.
Credicorp lends to companies rather than to you personally, so this is business finance outside the consumer-credit regime. That does not change the practical steps below.
See also: Paying ahead to build a buffer, Setting up a payment schedule, Restructuring your repayments.