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Use cases

Funding use cases: eleven reasons owners ask.

Each guide covers how to size the request, which structure tends to fit and where it goes wrong.

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11Use cases
SizedTo the need
CADExamples in
Same dayDecisions, often

Choose your use case

PayrollPayroll lands on a fixed date, while the invoice that pays for it may not.InventoryStock is bought months before it sells, and the supplier wants payment now.Emergency repairs and shortfallsA failed compressor, a flooded basement or a lost customer does not wait for a bank.Seasonal cash flowMany businesses earn most of their year in a few months and pay costs all year.Supplier paymentsSuppliers who offer a discount for paying early give you a return that can exceed the costRenovation and fit-outA refit pays back through higher traffic, better margins or more seats, and the work cannoExpansionGrowth costs money before it pays back: more stock, more staff, more space.Marketing and advertisingMarketing can return multiples of its cost, but only if you can fund it before the revenueHiringA new hire costs salary and training months before they cover their own cost.Opening a new locationA second location needs fit-out, stock, staff and a lease deposit before the first sale.Cash-flow gapsA cash-flow gap is the time between paying costs and collecting revenue, and it is the mos

Choosing the right use case

Most requests have a primary purpose and a secondary one. A new truck may be both equipment and capacity for growth. Choose the page that matches the larger of the two dollar amounts, then read the neighbouring pages for the rest. Clarity about purpose is what makes a request easy to approve.

Common questions

What is the most common reason?

Working-capital gaps and equipment or repair needs lead, followed by inventory and seasonal costs.

Can I use funding for more than one purpose?

Yes. The request is sized to the total need.

Keep reading

Canada funding hubMerchant cash advance and revenue-based funding for Canadian businessesIndustriesHow each trade is read by fundersUnderwriting situationsCredit, NSFs, time in business and more

Educational information only. It is not legal, tax or accounting advice.

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