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The quick calculation
Take the cash your business reliably generates, divide by the annual repayments, and you have your debt service cover. Aim for at least 1.25. Use the affordability calculator.
Stress it before you commit
Model a 10–20% sales dip and check the repayment still fits. A loan that only works in a perfect month is a trap. See how to check loan affordability.
What it means for you
Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online.
Frequently asked questions
What cover should a loan have?
Aim for a debt service cover of at least 1.25, meaning your cash comfortably exceeds the repayments. Below 1.0 means the business cannot service the debt from its current cash.
Why stress-test affordability?
Because real businesses have bad quarters. A repayment that only fits in a good month is risky. Stress-testing against a sales dip shows whether the loan is genuinely affordable.
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