Fuelling Growth with Flexible Funding!
Running a growing business often means navigating the constant challenge of cash flow. One of our clients (serviced by Michael Granek) knows this all too well. They operate a thriving wholesale business supplying major retailers across Australia and overseas, while also managing a fast-moving ecommerce store and a newly opened retail outlet.
The Challenge
Like many product-based businesses, their working capital cycle was long and demanding. From placing an order with suppliers to receiving payment from customers, the cycle stretched to nearly three months. Wholesale orders came with 30–60 day terms, and while online sales were cash-on-delivery, it still took 2–3 months for inventory to sell through. This meant a lot of money was tied up before cash returned to the business.
The Solution
To bridge this gap and unlock growth, Michael helped establish a smart funding facility designed with their sales cycle in mind. Instead of rigid repayments, the loan was structured so that repayments were tied directly to Shopify sales — a fixed percentage of daily revenue.
This meant:
- Immediate access to cash upfront to purchase stock and pay suppliers.
- Flexible repayment timing — faster when sales are strong, slower if trading softens.
- Ongoing access to additional drawdowns as the business grows.
The Results
- The funding application took just one week from start to finish.
- The full facility was advanced immediately.
- Within two weeks, the client had already repaid 9% of the total loan — well ahead of schedule.
- At this pace, the loan will be fully repaid three months earlier than forecast, strengthening their eligibility for further funding.
The capital injection was deployed straight away to secure new inventory and clear existing creditor balances — both locally and overseas. This not only eased cash flow pressure, but also boosted purchasing power and built stronger supplier relationships.
The Outcome
This tailored funding solution proved to be perfectly aligned with the client’s business model. The rapid repayment trajectory confirms both the strength of their sales and the effectiveness of the facility. Most importantly, it has given the business the confidence and flexibility to keep growing without being held back by cash flow constraints.
✅ Is your business ready for growth but held back by cash flow?
Don’t let funding gaps slow you down.
Get in touch with us today to explore how a tailored funding solution can help your business grow stronger, faster, and with confidence!
