Every trade runs out
of money differently
The product that suits you depends less on what you do than on the shape of your cash flow: when money leaves, when it arrives, and who owes it to you. These are the three we see most.
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Three shapes, three answers
- Hospitality: paid instantly, earns seasonally
No late payment problem at all, but four strong months carrying twelve. Funded on card takings rather than filed accounts. Hospitality finance.
- Construction: paid late, in stages, with money held back
Materials up front, monthly applications, long terms and 5% retained for a year after you finish. Construction finance.
- Recruitment: pays weekly, invoices monthly
The cleanest problem and the clearest answer, where growth itself is what empties the account. Recruitment finance.
- Transport: fuel paid weekly, invoices paid in sixty days
The widest gap of any sector, and a ledger that invoice financiers are comfortable with. Transport and logistics finance.
- Retail: buying in June for what sells in December
Stock committed months ahead, and marketplaces holding your money on their own cycle. Retail and e-commerce finance.
- Something else?
Farming has its own arm at Farmzo. For anything else the question is the same one: how long do you actually need the money? Start there.
Questions from this sector
Does my sector change what I can borrow?
Less than people expect. Sector affects which lenders are comfortable and which product shape fits, but the decision still rests on trading history, turnover and how the bank account behaves. Sector is rarely the thing that declines an application.
Do you only cover these three?
No. These are the three with distinct enough cash flow problems to be worth their own page, plus farming at Farmzo. We place across sectors, and the enquiry asks which you are in so we can route it properly.
Which sectors are hardest to fund?
Construction, because applications for payment are not invoices and retention sits outside any facility. Anything pre-revenue, because there is nothing to lend against. And any business under six months old.
