The challenge

This Auckland-based beverage store has been operating for eight years and relies on consistent stock levels to support daily sales.

When demand increased, the owner needed to purchase additional inventory quickly. Waiting for cash flow to catch up was not an option and delaying funding would have meant missed sales.

A traditional loan was not the right fit. The business needed short-term access to funds that could be repaid and reused as stock was sold.

The solution

Bizcap provided a $70,000 Line of Credit, allowing the business to access funds as needed to purchase stock.

Once the facility was set up, funds could be drawn instantly and repaid as sales were made. The available balance could then be accessed again without reapplying.

The business only paid for the funds they drew down, keeping costs aligned with actual usage.

This structure suited a business with changing inventory needs and regular cash inflows.

The business owner highlighted their experience as:

Very professional, fast and friendly. The Bizcap team did a splendid job

The outcome

The business was able to secure stock immediately and continue trading without disruption. The Line of Credit removed the need to time supplier payments around cash inflows and reduced pressure on working cash.

The business owner said:

Amazing service. I wish I could have given a 10-star rating

Where a Line of Credit fits best

This case shows where a Line of Credit can be a better fit than a traditional loan. The business needed fast access to funds that could be drawn and repaid in line with stock turnover, without committing to a fixed facility.

For advisers, partnering with Bizcap makes it easier to structure Line of Credit solutions that match how clients actually operate. Talk to us today to find out how we can help your clients secure a Line of Credit.