The hectic year-end holidays might be over, but for many in the business world, the season of high-expense purchases isn’t over. Each year revolves around central main seasons that require constant hustle and planning.  

Retailers are especially aware of this as they place orders six to nine months ahead of any given sale season!  

If you’re relying on any sort of inventory, odds are you’re already thinking ahead to what things are going to sell, what’s on trend (and the trajectory of how demand will shift throughout the year), and where customers will take their dollars. 

The problem: A story about cashflow management, and why it is such a challenge   

Lorne Greenfield, founder and CEO of Capital Concepts, recalls helping a client navigate the murky waters of cashflow.  

The construction firm had a fundamental problem. Because of their industry and project scopes, they often didn’t get paid till for 60-75 days after sending their invoices. During the two to three months between invoice and payment, they weren’t able to start new projects they’d been hired for because they didn’t have the cashflow to invest in new projects. It became a cyclical issue that quickly put a cap on the company’s ability to grow and put them in dire financial straits. 

The firm hadn’t used financing in the past, and didn’t know where to begin. The team at Capital Concepts helped them get specialized lines of credit and create a plan to have funds in reserve. 

 In the end, Capital Concepts helped them get to the point where profits exceeded their cash needs, which allowed them to keep signing contracts and expanding their money-earning capabilities!

Common issues in a nutshell: 

        1️⃣ Lack of knowledge about where to find reliable (and personalized) cashflow sources

        2️⃣ Lack of time to invest in crafting a sustainable cashflow plan 

Cashflow is about more than just going to the bank. You need reliable streams of finances (through loans or investments) that are personalized customized to your business needs, and a plan of action to give you the breathing room to look ahead.  

Because until you get to point where profits exceed what your cash needs are, you’ll always be in a vulnerable point where you’re operating in the red. 

That’s where we come in. 

Finding a starting point  

We help you have funds lined up so that your company has the ability to make orders on time.  

That might look like guiding you to specialized financing options and loans. Or, it might require revamping your invoice schedule with clients, compressing the terms to match your cashflow needs.  

Whatever your biggest need, we’ll start by helping you determine how much cash you actually need to bridge the gap between your expenses and revenue, and how to get that cash capital sustainably.  

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