Can I borrow more than my monthly turnover?

2 min read

YesOften more than one month

1–few monthsA common rough range

AffordabilityThe real ceiling

Why the monthly figure isn't a hard cap

Monthly turnover is a useful reference point, but it is not a ceiling. Lenders size facilities against the revenue and surplus that repay them over the term, and a healthy business generates that surplus month after month. As a rough market rule of thumb, working-capital facilities often sit somewhere between one and a few months of turnover — so exceeding a single month is normal, not exceptional. The exact figure depends on the lender and on how the company trades. See does my turnover affect how much I can borrow.

What lets you go higher

The further above one month you can borrow, the more the lender needs to be confident the surplus is real and durable. Consistent revenue, healthy margins, a clean bank record and a clear, sensible use for the funds all push the ceiling up. Lumpy income, tight margins or signs of strain pull it down. The test is always whether the repayments sit comfortably inside the surplus — run it with the affordability calculator.

How Credicorp sizes it

Credicorp anchors a facility to the company's actual trading and cash flow, lending to the business with no personal guarantee, so the limit can certainly exceed a single month's turnover where the surplus supports it. The figure reflects sustainable capacity, not an arbitrary monthly cap. For how the overall ceiling is set, see how your borrowing limit is decided.

Frequently asked questions

Is there a maximum multiple of monthly turnover?

There is no universal multiple across the market; it varies by lender and by the strength of the trading. Many working-capital facilities span one to a few months of turnover, but the binding limit is affordability, not a fixed multiple.

Why would I be capped below one month?

Usually because the surplus after costs is tight, the income is erratic, or recent bank activity shows strain. The limit reflects what the company can comfortably repay, so weaker cash flow can put the ceiling below a full month of sales.