Yes — how your company manages its repayments is one of the things we consider when you apply to borrow again or ask to increase a Credicorp Flex or Slice facility. A clean, on-time record works in your favour; a pattern of late or missed payments counts against it.
What we look at
- Whether scheduled payments were collected on time.
- How quickly any arrears were brought up to date.
- Whether you contacted us early when there was a difficulty.
It is the pattern that matters
A single failed collection that you put right quickly is very different from repeated missed payments. We look at behaviour over time, not just one event, and engaging with us early is itself a positive signal.
Reporting beyond Credicorp
Information about how your company manages credit may be shared with credit reference agencies in line with your agreement and our privacy notice. That can affect how other lenders view your company too, so a strong record has value beyond your relationship with us.
The takeaway
Protecting your payment history is one of the cheapest, simplest things a company can do to keep future finance options open. If a payment is going to be difficult, contact us before the due date so we can help you avoid a mark you would rather not have.
See also: How arrears affect your company's future borrowing with us, What happens if my company misses a payment?, What happens if my Direct Debit fails?.