I need to fund a quiet start to the year after strong Christmas trade — what do I do?

A strong peak followed by a dead-quiet start to the year is a known pattern; a facility bridges the post-Christmas lull so the quiet months don't undo a good December. Many retailers and hospitality businesses trade hard through Christmas then face a very quiet January and February. The peak's cash can drain fast against fixed costs in the lull.

I need to fund a quiet start to the year after

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Great peakDead-quiet after

Bridge the lullShort facility

Protect the gainsFrom a strong December

The post-peak lull

Many retailers and hospitality businesses trade hard through Christmas then face a very quiet January and February. The peak's cash can drain fast against fixed costs in the lull.

Bridge the quiet months

A short working-capital facility covers the post-peak lull so the quiet start to the year doesn't undo a strong December. Plan the pattern on the seasonal cash buffer calculator.

Set aside from the peak

Ringfence some of the Christmas cash for the quiet months you know are coming. A buffer plus a standby facility means the January lull is a non-event.

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

How do I fund a quiet January after Christmas?

A short working-capital facility bridges the post-peak lull so the quiet start to the year doesn't undo a strong December. Ringfencing some Christmas cash for the known dip helps too.

Why does cash run tight after a strong Christmas?

Because a quiet January and February follow, and the peak's cash drains against fixed costs in the lull. Planning for the known dip — a buffer plus a facility — keeps it a non-event.