2 min read
Lending to the trajectory
If recent turnover is clearly climbing, a lender can size the facility to current run-rate rather than last year's smaller figures. Fast growth also often means a genuine funding need — stock, hiring, new capacity — which is a sound reason to borrow.
The cautions
Growth must be evidenced in the bank data, not just projected, and it must be sustainable — over-trading, where sales outrun cash, is a real risk. A lender checks that a bigger facility is supported by durable cash flow, not a temporary spike.
Applying
Show the recent trend, size it with the turnover affordability tool and apply online.
Frequently asked questions
Will lenders lend on projected growth?
They prefer evidenced growth in recent bank data over projections. A clear upward trend you can show carries far more weight than a forecast alone.
Can growing too fast be a problem for borrowing?
Yes — over-trading, where sales outpace available cash, worries lenders. Growth needs to be matched by sustainable cash flow, not just rising sales.
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Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.