I'm close to retirement and want to invest in the business before I hand over — how do I fund it?

A value-adding investment before you hand over can raise the business's worth by more than the debt; finance funds it, and the borrowing settles or transfers on the eventual sale. A well-judged investment before retirement — new capacity, efficiency, a fresh revenue line — can lift the business's value and sale price by more than it costs, making the exit worth more.

I'm close to retirement and want to invest in

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Invest before exitAdd value

Fund itTerm finance

Settles on saleOr transfers

Investing before you step back

A well-judged investment before retirement — new capacity, efficiency, a fresh revenue line — can lift the business's value and sale price by more than it costs, making the exit worth more.

Fund the improvement

A business loan funds a value-adding investment, and because it's to the company, it settles from sale proceeds or transfers with the business on handover.

Invest only where it lifts value

Back improvements a buyer will pay for — proven capacity or earnings, not vanity projects. Model the likely uplift on the return-on-borrowing calculator.

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

Should I invest in my business before retiring?

When the investment genuinely lifts value or earnings, yes — a buyer usually pays more for the improved business than the investment cost. Fund it with a company loan that settles or transfers on sale.

What happens to the loan when I sell or hand over?

Because it's a company loan, it settles from the sale proceeds or transfers with the business, subject to terms. A value-adding final investment can raise the price by more than the debt.