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An upcoming peak trading season can put real pressure on cash flow. From stocking up for Black Friday and Christmas to hiring extra staff, businesses often need funding before the sales arrive.

For brokers, starting the funding conversation early can help clients prepare for a seasonal sales spike, make the most of increased demand and act quickly when funding needs arise.

Here are five real funding scenarios where businesses used flexible finance to purchase inventory, manage cash flow, renovate, grow their team and prepare for increased demand.

If your clients are preparing for a surge in demand or an upcoming business opportunity, here are some examples of how the right funding at the right time can help turn opportunity into growth.

Hospitality

Loan amount: $200k
An established restaurant secured funding to launch a large-scale marketing campaign ahead of its New Year's Eve event while completing venue upgrades before the busy Christmas dining season. The additional capital helped the business attract more customers and maximise revenue during a peak trading period.
Why this deal was right for Banjo*
14 years in business
Tax payments up to date

Manufacturing

Loan amount: $80k
As Black Friday demand accelerated, a t-shirt printing business needed additional working capital to purchase inventory and production materials. The funding enabled the business to keep up with a growing volume of orders, avoid supply shortages, and deliver on customer expectations.
Why this deal was right for Banjo*
Healthy credit balances across bank accounts
Strong pipeline of upcoming work

Wholesale

Loan amount: $250k
A wholesale florist required extra funding to prepare for a surge in seasonal demand from retail and commercial customers. The loan allowed the business to purchase stock in advance, maintain strong inventory levels, and fulfil larger order volumes without placing pressure on cash flow.
Why this deal was right for Banjo*
Operating a simple, low over-head model
Excellent bank and tax conduct

Construction

Loan amount: $450k
A building installation company experienced a temporary cash flow shortfall after customer invoice payments were delayed. The funding provided immediate access to working capital, allowing the business to meet payroll commitments, support ongoing projects, and maintain smooth day-to-day operations.
Why this deal was right for Banjo*
Experienced directors
Healthy annual turnover

Retail

Loan amount: $495k
Ahead of the Christmas trading season, a retailer sought funding to increase stock levels and prepare for heightened customer demand. The additional working capital enabled the business to secure inventory early, improve product availability, and capitalise on one of the most important sales periods of the year.
Why this deal was right for Banjo*
Good cash flow management
A proven, long-standing operator
All loans settled in under a week, with brokers helping to keep the process moving so their clients could act quickly.

These are just a few examples of how timely funding can help businesses respond to increased demand—whether that means purchasing stock, investing in marketing, managing cash flow or supporting day-to-day operations.

While every business is different, these clients shared several strong fundamentals, including established trading histories, healthy turnover, experienced directors, clear funding purposes and well-managed financial commitments.

When the next opportunity or surge in demand arises, starting the funding conversation early can help clients prepare with confidence and be ready to act.

Terms, conditions and lending criteria apply*

Is your client preparing for a surge in demand?

Start the conversation with your BDM early, so funding can be ready when the opportunity arrives ->
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* Disclaimer: Fees, lending criteria, terms and conditions apply (including an origination fee on each advance). Actual fixed fee (or interest expense) and repayments will vary based on your individual circumstances. Advertised rates are subject to change at any time. Fixed fee (or interest expense) accrues upfront and is paid in instalments. While Banjo does not generally take security over assets, director guarantees may be required and a general security deed or other security may be required for larger loans or in respect of some loan types. Statements regarding timing in relation to applications, approvals and funding are only indicative. Any advice given does not take into account your personal circumstances and you should carefully consider what products are appropriate for you and obtain professional advice where relevant.

Copyright © 2022 Banjo® Loans. Banjo® and Banjo Score® are registered trade marks used under licence by Banjo Loans. All loans are provided by FundIT Ltd ACN 601 130 527 in its capacity as trustee of the Banjo Small Business Loan Fund ABN 32 713 685 984 (AFSL 468033). All loans are subject to eligibility criteria and approval by Banjo. Upfront fee, terms and conditions apply.