Credicorp Flex is a revolving facility: you have an approved limit, you draw what you need, and the limit replenishes as you repay. That shape suits some businesses far better than others. Here is how to tell whether it fits yours.
Signs Flex is a good fit
- Your income arrives unevenly, for example through seasonal trade or long payment terms from customers.
- You face frequent small, short-lived cash gaps rather than one big funding need.
- You want the option to borrow again without reapplying each time.
- You value only paying for what you actually draw, not for a lump sum sitting unused.
When something else may fit better
If you need a single, large amount for a defined project with a clear repayment horizon, a one-off business loan or Credicorp Slice may be a cleaner match. Revolving facilities reward discipline; if you would be tempted to keep the limit fully drawn permanently, a fixed structure can be easier to plan around.
Match the tool to the cash flow
The honest test is whether your need is recurring and variable or single and fixed. Flex is built for the first. Look at the rate and terms shown in your offer alongside how you actually trade before you decide.
See also: What happens if my company misses a Flex repayment?, How to plan Flex repayments around your cash flow, How does Credicorp Flex work?.