We would rather you used Slice when it genuinely helps than took it because it was easy. Responsible lending means being honest about when it does not fit.
Reconsider if
- You need repeated, ongoing access to credit — a revolving facility like Flex may suit you better than a series of one-off Slices
- The instalments would clash with payroll, rent or a tax deadline you already know is coming
- You are splitting a bill because the cash is not there at all, rather than because timing is off
- The underlying cost is something your business should not be taking on right now
Borrowing is not free
Every Slice carries a cost of credit, shown in your offer. If you can comfortably pay the bill outright without straining your buffer, doing so avoids that cost entirely.
If you are unsure
Talk to us before you commit. We can look at whether Slice, Flex or simply waiting is the better call. Because this is business credit outside the consumer-credit regime, there is no Financial Ombudsman Service to fall back on, so making the right choice up front matters.
See also: Does Slice require a personal guarantee?, When does Slice suit a business best?, Who can apply for Credicorp Slice?.