Flexibility when it counts

Industry: Retail
Location: Canada

Problem:
Needed flexible funding to make two inventory purchases over a month without carrying unnecessary interest

Solution:
Line of credit

Results: $150,000 flexible line of credit

How Swoop gave a building supply retailer the funding flexibility to buy on their own terms.

The right funding structure can be just as important as the amount itself. When a building supply retailer came to Swoop, they didn’t just need capital – they needed capital that worked on their schedule.

Challenge

The business was preparing to make a large inventory purchase, but the timing made things tricky. Two separate orders needed to be placed over the span of a month, and carrying interest on the full amount while waiting to place the second order didn’t make financial sense.

A traditional loan would have required drawing the entire sum upfront, meaning the company would pay interest on money it wasn’t yet using. What they needed was a funding solution that offered real flexibility around timing and usage.

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Solution

Swoop secured a $150,000 line of credit, giving the business the ability to draw funds only when needed and pay interest only on what was outstanding.

This structure was a natural fit for managing two staggered inventory purchases without taking on unnecessary cost. With capital available on demand, the company could plan its purchasing strategy with confidence, knowing the funds would be there the moment each order was ready to be placed.

Need a funding solution with built in flexibility? Explore lines of credit

Result

With the line of credit in place, the business completed both inventory purchases on schedule and entirely on its own terms.

By drawing funds only as needed, the company kept interest costs to a minimum while maintaining a strong inventory position heading into a busy period. More importantly, the solution gave the business the freedom to align cash outflows with actual purchasing needs — rather than being locked into a rigid loan structure.

Don’t pay for funding you’re not using. Discover how Swoop can match you with flexible solutions built around your business.

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