Can my company borrow against future sales?

The main ways to borrow against future sales

Borrowing against future revenue comes in a few shapes. A merchant cash advance advances a lump sum repaid as a percentage of card takings. Revenue-based finance works similarly but draws from total turnover, not just card sales. A working-capital loan takes a different route: instead of skimming each sale, the lender sizes a fixed amount against your forecast revenue and you repay it in set instalments. Invoice finance is a related option that unlocks cash tied up in unpaid invoices.

What a lender looks at

When borrowing is judged on future sales, the lender focuses on the reliability of your income. Expect them to review recent bank statements, card-processing records or management accounts to confirm turnover is steady and your business can comfortably service repayments. Seasonal patterns, customer concentration and recent growth all feed the decision. Because the case rests on trading performance rather than assets, you generally don't need property or equipment as security. See what lenders check on an application.

How Credicorp approaches it

Credicorp provides fixed-term working-capital loans to UK limited companies, sized against your trading and forecast turnover. Rather than taking a slice of every sale, we agree a clear amount and a fixed repayment schedule so you can budget with certainty. There is no personal guarantee: the loan sits with the company, not with you as a director. This keeps your borrowing predictable while still being grounded in the strength of your sales.

What this means for your company

If you want repayments that automatically flex with takings, a sales-share product may suit. If you'd rather know exactly what leaves the account each month, a fixed-term loan sized to your forecast is usually cleaner and easier to compare on cost. The right answer depends on how steady your revenue is and how much predictability you want. A limited company with consistent turnover can apply with Credicorp and be assessed on its trading, not its assets.