4 articles
Business lines of credit offer flexible working capital when you need it—but the fees and variable rates can surprise you. Here's how they actually work, what you'll really pay, and when they're the strategic play for your business.
November 28 is Black Friday, but inventory must be purchased and paid for by early November. Your biggest sales opportunity of the year arrives before your customers pay. Here's how strategic retailers are locking in working capital funding in October to capture the $12B+ Black Friday opportunity without crushing cash flow.
November-December accounts for 21% of annual retail sales, but inventory must be purchased 60-90 days in advance. If your working capital isn't ready, you'll miss your biggest sales opportunity of the year. Here's how strategic retailers are funding Q4 without tapping reserves.
Let's talk about what MCAs actually cost—no marketing spin. Here's the real math on factor rates, APRs, and when this expensive financing makes strategic sense for your business.