I just registered my company and need start-up working capital — what are my options?

A brand-new company can still fund its first stock and costs, but with no trading history a lender leans on the plan, the sector and the founder's experience — so prepare those well. With no trading history, a lender can't assess you on past figures. Instead they look at your plan, your sector's typical performance and your own relevant experience.

I just registered my company and need start-up

2 min read

No history yetLean on the plan

Fund first costsStock, kit, setup

Prepare wellSector + experience

The new-company challenge

With no trading history, a lender can't assess you on past figures. Instead they look at your plan, your sector's typical performance and your own relevant experience.

How to fund the start

A modest working-capital facility can cover first stock, tools and setup costs. Asset finance spreads the cost of essential equipment so you're not draining cash on day one.

Prepare the case

A clear plan, realistic figures and evidence of demand strengthen a new-company application. See getting a business loan with no trading history for what lenders want to see.

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 when the numbers work.

Frequently asked questions

Can a brand-new company get finance?

Yes, though with no trading history a lender leans on your plan, your sector and your relevant experience. A clear, realistic case with evidence of demand is what makes the difference.

How much can a new company borrow?

Usually a modest amount to start, sized to a realistic plan rather than an ambitious one. As trading history builds, the business can borrow more against proven performance.