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The receivables gap
If you invoice customers on 30- or 60-day terms, you deliver the work before the cash arrives. That gap ties up working capital — a common, legitimate reason to seek finance, not a mark against you.
How lenders treat it
They assess your evidenced turnover and the reliability of your receivables. A term loan can bridge the gap, or invoice-based borrowing can release cash tied up in unpaid invoices directly — often the neatest fit for a credit-terms book.
Applying
Show your sales and payment patterns, then apply online.
Frequently asked questions
Does selling on credit make me a riskier borrower?
Not inherently. It is standard B2B practice. Lenders look at whether your receivables are reliable and your overall cash flow supports repayment.
Is invoice finance better than a loan for credit-terms sales?
It can be, because it directly bridges the gap between invoicing and payment. Compare it against a term loan sized to your averaged cash flow.
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Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.