Business savings and reserves: building financial resilience

Why reserves matter

Cash reserves are a buffer against shocks and a source of opportunity. A late payer, a broken machine, or a sudden chance to buy stock cheaply — reserves let you absorb the first two and seize the third without panic. They turn a crisis into a manageable event.

Setting a target

A common floor is three months of essential fixed costs, more for seasonal or volatile businesses. Base it on your real core outgoings — the figures your cash-flow forecast shows — not a round number.

Saving systematically

Treat saving like a bill you pay yourself: move a fixed amount or percentage into reserve on a schedule, before there is a temptation to spend it. Small, automatic and regular beats large and occasional, which rarely happens. See how to build a cash buffer.

Putting idle cash to work

Reserves need not sit idle. A business savings account earns interest on money you are not using, so the buffer grows quietly. Balance access against return — you want the reserve reachable, but not earning nothing. Use the business savings calculator.

Reserves plus finance: full resilience

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See indicative terms on business loans, or apply online in minutes.

The strongest position pairs a cash reserve with an arranged facility you rarely touch — self-funding for small shocks, borrowing power for big ones.