Cashflow problems rarely appear overnight. They build over weeks, usually visible in the numbers long before they become a crisis at the bank. Companies that finance well are the ones that see the gap coming and plan a response calmly, rather than scrambling when an account runs dry.
Build a simple cashflow forecast
A rolling forecast, even a basic spreadsheet, mapping money in and out over the coming weeks is the single most useful tool here. It turns a vague worry into a clear picture: which week is tight, how tight, and what is driving it.
Early warning signs
- Your debtor days are creeping up; customers take longer to pay.
- You are paying suppliers later than you would like to preserve cash.
- A large tax bill or quiet season is approaching with no buffer set aside.
- You are dipping into reserves to cover routine costs.
Plan the response, don't react to it
When you can see a gap coming, you have options: tighten collections, defer non-essential spend, or arrange finance in good time. Borrowing arranged ahead of need, sized to a clear gap and repaid over your agreed term at the rate shown in your offer, is far healthier than emergency borrowing under pressure.
Credicorp lends only to UK limited companies and LLPs for business purposes, never to individuals or sole traders, and we take no personal guarantees. As an exempt lender we sit outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply.
See also: Credicorp Flex or Slice for a cashflow need?, Can business finance help bridge a short-term cashflow gap?, Using finance to cover payroll during a cashflow gap.