I want to protect cash flow before a known lean period — what should I do?

A lean period you can see coming is easy to plan for; arranging a facility in advance means the dip passes as a managed event, not a scramble. A lean stretch you can foresee — a quiet quarter, a gap between projects, a seasonal trough — is far easier to handle than a surprise. The key is arranging cover before it arrives.

I want to protect cash flow before a known lean

2 min read

Dip in sightPlan ahead

Arrange earlyFrom strength

Managed, not panickedPass smoothly

A known dip is a planning problem

A lean stretch you can foresee — a quiet quarter, a gap between projects, a seasonal trough — is far easier to handle than a surprise. The key is arranging cover before it arrives.

Set up cover in advance

A business credit facility arranged now, from a position of strength, sits ready for the dip. You draw on it if needed and repay when trade recovers — a managed event, not a crisis.

Map the trough

Model the lean period on your cash-flow forecast so you know how deep it goes and size the facility accordingly. Foresight turns a dip into 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 prepare for a known lean period?

Arrange a facility in advance from a position of strength, and model the dip on a cash-flow forecast so you know how deep it goes. Foresight turns a lean stretch into a managed event.

Should I wait until the lean period to arrange finance?

No — apply while trading is strong for better terms and certainty. A facility set up ahead of a known dip means it passes smoothly rather than as a scramble.