Plenty of businesses earn unevenly — a busy quarter, a quiet one. You can manage repayments around that rhythm so a lean month never becomes a missed collection.
Ways to smooth it
- Build a buffer in the good months — pay a little ahead so a quiet month is already covered.
- Align your payment date with when your money reliably lands, if that helps.
- Keep the collecting account funded ahead of each date, using your upcoming-collection alert.
If a lean period looks tight
Talk to us before it bites. There’s genuine, no-friction support for a business under temporary pressure, and the earlier you raise it, the more we can do. Keeping borrowing proportionate to your turnover in the first place is the best protection against a seasonal dip — a facility you can service through the quiet months is a facility that helps rather than hinders.
Credicorp lends to UK limited companies and LLPs, not to individuals. The agreement is with the company and carries no director personal guarantee. Because this is business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or the FSCS — our own complaints process is the route if something goes wrong.
See also: Paying ahead to build a buffer, Changing your payment date, My business cash flow is tight this month.