How old does my company need to be to get finance?

2 min read

Trading > ageActivity matters most

Months not yearsSome history helps

Cash flowThe real test

Age versus trading

Incorporation date tells a lender little; trading activity tells it everything. What matters is whether the company generates visible, steady cash flow that can service a loan. A dormant company with an old registration date is not a strong borrower.

What newer businesses can expect

A company with a few months of real trading can often borrow, though amounts and terms may be tighter until the record lengthens. Keeping clean records and steady revenue is worth more than an old incorporation date.

What it means for you

Focus on demonstrable trading, not the age on the certificate.

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See indicative terms on business loans, or apply online in minutes.

See how much trading history you need.

Frequently asked questions

Is my company too new to borrow?

Possibly not. If you have a few months of genuine trading and visible cash flow, you may well qualify. A very new or dormant company usually has fewer options until it builds a record.

Does a longer company history guarantee a loan?

No. Age helps, but the decision rests on current trading and affordability. A long-registered but barely trading company is weaker than a young, actively trading one.