Better buying prices
Use bulk and early-payment discounts that cash flow alone would not allow.
Buy stock in bulk
Take advantage of supplier discounts or prepare for a busy season by buying ahead.
Stock
Buy at the right time, not just when cash allows
Suppliers often offer better prices for larger orders or early payment, and busy seasons need stock in place before the sales come in.
A fixed-rate loan lets the company buy ahead and repay from the sales that stock produces.
Illustrative example
A wholesaler buys £50,000 of stock ahead of its busiest quarter.
| Loan | £50,000 |
| Rate | 5.00% p.a. fixed |
| Term | 5 years |
| Monthly repayment | £944 |
| Total interest, paid back into your own pension fund | £6,614 |
| Total repaid | £56,614 |
Illustrative only. Equal monthly payments; your loan agreement sets the exact figures.
How the loan helps
Why directors choose it
Ready for peak season
Have stock on the shelves before demand arrives.
See what your company could borrow
Loans from £25,000 up to £500,000. 5.00% p.a. fixed. No credit checks.