For many business clients, the hardest cash flow stretch of the year runs September to February, and it has already started.
This is when stock orders increase, payroll costs rise and businesses begin preparing for their busiest trading period of the year. While revenue may be on the horizon, cash flow often tells a different story.
The pressure can continue well into February. There are fewer trading and banking days over December and January, customer payments can slow, and February often brings a perfect storm of payroll, restocking costs and Business Activity Statement obligations before the cash from peak trading has fully landed.
The good news? Seasonal cash flow pressure is predictable.
When clients can see a funding gap developing, they have time to plan. When that same gap appears in January, with suppliers waiting to be paid and cash reserves under strain, options can be much more limited.
If your clients are talking about buying stock, managing payroll, covering tax commitments or preparing for seasonal growth, you're already talking about working capital.
Connective Cashflow gives you two revolving credit lines to cover both ends of the trading cycle, with no upfront real estate security:
Trade Finance pays local and international suppliers upfront, with Fast Matrix approvals, so clients can commit to seasonal stock without draining operating cash. Terms extend to 120 days, including up to 60 days interest free, so the supplier payment lands closer to the sale.
Debtor Finance unlocks up to 85% of invoice value within 24 hours, with limits up to $25M per ledger, no debt service tests and no financial covenants. Funding grows with turnover, making it the answer for clients whose peak-season invoices will not be collected until January or February.
Many clients sit on both sides. Existing bank facilities can stay in place, and clients juggling multiple cash flow lenders can consolidate into one.
Have the conversation while the gap is still on paper. Spot and refer, register for Connective Cashflow on your Mercury platform or ask your Connective Cashflow BDM to workshop a scenario.
