Built for how money actually moves.
Cash flow isn’t linear. Your capital shouldn’t be either. Here’s how a revolving line moves in six situations that come up constantly — and doesn’t move at all the rest of the time.
Payroll gaps
Keep the team paid when a big invoice is 10 days out.
How the line moves
Draw enough to cover this cycle's payroll the day the gap shows up. When the invoice clears, repay the draw — the capacity returns and the line is ready the next time timing, not revenue, is the problem.
Inventory buys
Move fast on supplier deals before the window closes.
How the line moves
Draw the cost of the order the moment the discount window opens, so the deal doesn't slip to a competitor with faster cash. Repay as the new stock sells through, and the same room is there for the next order.
Seasonal swings
Build stock before peak season without tying up cash.
How the line moves
Draw ahead of the season to stock shelves or staff up before demand actually arrives. Let the peak's revenue repay the draw over the following weeks, then let the balance sit at zero until the next cycle.
Bridging invoices
Stop waiting 60 days for a client to pay.
How the line moves
Draw against the gap the day a net-60 invoice goes out, not the day it's due. Repay in full the moment the client's payment lands — the draw exists for exactly as many days as the wait did.
Marketing pushes
Capitalize on a campaign window while ROI is clear.
How the line moves
Draw to fund the spend while the return is measurable and the window is open. Repay out of the incremental revenue the push generates, and keep the rest of the line untouched for the next opportunity.
Sudden opportunities
The storefront opened up. The equipment appeared. Act.
How the line moves
Draw the moment the opportunity is real — a lease comes open, a piece of equipment shows up under market. Repay on whatever timeline the opportunity itself pays back on, then the line resets to full.