A checklist for funding seasonal stock

Borrowing for the Christmas peak works best when the loan ends before the January lull. Here is how our underwriters size it.

Stock loans are the most common thing we fund between August and November.

If most of the stock sells by Christmas, a 3 to 6 month term clears the loan before January.

We cap repayments at 15% of average turnover, but a smart borrower checks it against the worst month too.

- Use supplier quotes, not round numbers. - Leave a margin for delivery delays. - Remember the 2% fee comes out of the payout.

Grace Whitfield

Lendly journal

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Funding that keeps pace with your business

Check your rate in two minutes. Applying does not affect your credit score until you accept an offer.

2026 Lendly Capital Ltd. Lending to UK limited companies only.