Seasonal trade — busy summers, manic Christmases, dead Januaries — is normal in retail, hospitality, leisure, and food businesses. The skill is planning so the quiet months don't undo the busy ones. Credicorp lends to UK limited companies and LLPs, and funding is one tool among several for smoothing the year.
Plan around your real calendar
Map your revenue and costs month by month, not as an annual average. The average hides the months where you're paying out far more than you take in.
- Build a reserve during the peak to carry the trough
- Negotiate supplier terms that line up with your sales, not against them
- Watch stock — overbuying for a peak ties up cash you'll need later
- Keep fixed costs reviewed; they're what bite hardest when trade slows
Where funding fits
Funding works best as a planned bridge — buying peak stock, or carrying fixed costs through a known quiet spell — rather than an emergency patch. Credicorp Flex and Credicorp Slice behave differently across a cycle, and we'll talk through which suits your shape of year. The rate and term are shown in your offer.
The basics
Any facility is to your company, with no director personal guarantee. As an exempt business lender outside the FCA consumer-credit regime, the Financial Ombudsman Service and FSCS do not apply.
See also: Funding for e-commerce businesses, Funding for hospitality businesses and Funding a quarterly rent or business rates bill.