CWAF is a credit broker, not a lender, so we do not set payment terms ourselves. Some lenders on our panel can structure repayments to reflect a seasonal trading pattern — for example, lower payments during quiet months and higher ones in your peak. Availability depends on the lender, the facility and your trading history.
Structures you may come across include stepped or profiled payments, seasonal payment holidays built into the schedule, and repayment plans aligned to a tax or contract cycle. Not every lender offers them and not every business will qualify.
Be aware of the trade-off. Lower payments in some months mean higher payments in others, and deferring capital repayment usually increases the total interest you pay over the term. A seasonal profile only helps if your peak reliably produces the cash to cover the larger payments.
Tell us about your trading pattern at the outset and we will approach lenders whose products can accommodate it. Whether a structured profile is offered, and on what terms, is the lender’s decision.
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