Most retail companies buy heavily ahead of a peak — Christmas, summer, a back-to-school run — and only recover the cash once the goods sell. That timing mismatch is one of the most common reasons a UK limited company or LLP approaches us for funding.
The seasonal cash-flow problem
Your suppliers want paying on their terms, often before your customers have bought anything. The bigger the season, the larger the order, and the longer your money sits in stock on shelves or in a warehouse rather than in your bank account.
How funding helps
- Place a larger order without draining your reserves
- Take advantage of early-payment or bulk discounts from suppliers
- Keep day-to-day working capital free while stock is tied up
- Repay as the season's sales come in
Matching the product to your season
Credicorp Flex and Credicorp Slice behave differently over a trading cycle, and we'll talk through which fits the way your peak unwinds. The rate and term are set out in your offer — there are no figures quoted here because every business is priced on its own profile.
The basics
The facility is to your company, not to you personally; we take no director personal guarantees. As an exempt business lender outside the FCA consumer-credit regime, the Financial Ombudsman Service and FSCS do not apply.
See also: Funding stock for a brand-new product line, Marketplace payout delays and how funding bridges them and Funding stock purchases ahead of a busy period.