Golden Quarter incoming
Q4 accounts for a disproportionate share of annual revenue.
Autumn stock‑up business finance — company‑only lending, no personal guarantee
Stock up for Q4 without draining cashflow. Get fast, flexible working‑capital finance for your UK limited company ahead of seasonal peak trading — backed by your company's cashflow alone; directors' personal assets stay protected.
Why stock up now?
The golden quarter drives annual revenue. UK limited companies use autumn stock‑up business finance to secure inventory and cashflow ahead of seasonal peak trading periods.
The case for early Q4 finance
Seasonal trade discounts
Suppliers often offer seasonal trade discounts for bulk purchases.
Avoid price spikes & shortages
Secure inventory now to avoid last‑minute price spikes and stock shortages.
Lock in pre‑peak cashflow
Cover seasonal payroll, marketing and operational spend ahead of the surge.
Fast, flexible working capital — on your company's credit alone
Exempt business lending provides your limited company with working capital on its own credit standing. Lending is secured by a charge over your company assets; full details are in your facility agreement.
Bulk inventory purchases
Working capital for stock ahead of peak demand.
Extended supplier terms
Cashflow to cover longer payment windows with your own suppliers.
Seasonal marketing & hires
Funding for campaigns, temporary staff or logistics capacity.
No personal guarantee
Your personal guarantee is not required; company directors may be asked to sign a standard personal covenant.
Exempt‑lender speed
As an exempt lender under UK law (Articles 60B/60L FSMA RAO 2001), we move faster than FCA‑regulated peers — no cooling‑off period, streamlined underwriting.
Typical eligibility
£250k+ annual turnover, 2+ years trading, UK‑registered limited company or LLP.
The practical timeline
From application to deployment in days, aligned with your trading cycle.
1. Apply now
We assess cashflow and trading history; you'll need recent management accounts and 12 months of bank statements. Typical credit decision within 24 hours of full submission, subject to standard checks and verification.
2. Funds transferred
Once you're approved and we've completed final verification, we transfer funds to your company bank account within 1 working day.
3. Deploy within days
Use swiftly to secure pre‑peak stock, campaigns or capacity.
4. Repay aligned to your cycle
Typical terms: 3‑12 months, fixed monthly repayment or aligned to your settlement cycle. Rates and fees are disclosed at approval based on your company's credit profile.
Questions answered
Is this a consumer loan or personal finance?
No. Credicorp provides exempt business lending exclusively to UK limited companies and LLPs under FSMA 2000 (Regulated Activities) Order 2001. This is working‑capital finance for your company — no personal guarantee is required.
Can I use the funds for anything?
Funds are for lawful business working capital — inventory, marketing, payroll cover, logistics expansion, or bridging extended supplier terms. We do not fund acquisitions, capital expenditure, or related‑party transactions.
How quickly can my company access funds?
After credit approval, funds are typically transferred to your company bank account within 1‑2 working days, subject to final verification. Complex applications or additional KYC may extend this.
What are the repayment terms?
Terms are tailored to your trading cycle — typical tenures are 3‑12 months, with fixed or flexible repayments drawn from Q4 revenue. Full terms, including any security charge, are confirmed on approval and reflect your company's credit profile.
Credicorp Limited is an exempt business lender under FSMA 2000 (Regulated Activities) Order 2001.