How Do Fish Farms Fund Stock and Equipment?

The funding challenge for fish farms and aquaculture businesses

Fish farms fund stock, feed and equipment across a long grow-out cycle before fish reach market weight, tying up cash in living inventory for many months. Money leaves the business before it comes back, and for fish farms and aquaculture businesses that gap has a particular shape — around equipment, stock, seasonality or the wait for payment. Naming the shape is how you avoid borrowing the wrong way and overpaying for it.

The facility that tends to fit

The natural route here is stock finance, plus asset finance for equipment. It matches the need rather than forcing a one-size loan onto a specific problem, and where a firm has both an asset to fund and a cash gap to bridge, two matched facilities usually cost less than one stretched to do both. Credicorp lends to limited companies and LLPs with no personal guarantee. Read the underlying guide before committing.

Put real numbers behind it

Size it with our cash conversion cycle calculator and the stock finance guide on Learn. A figure taken from a forecast, with repayments matched to when cash actually arrives, beats a round number every time.

How lenders view the trade

Our sector page for fish farms and aquaculture businesses sets out what a lender looks at, and the general answers on whether your sector affects borrowing and how affordability is assessed give the wider picture. When ready, you can apply. General information, not an offer of finance.