Funding Scenarios
Inventory Funding Scenario: Maple Market Provisions
Maple Market Provisions is a fictional specialty grocer that buys heavily ahead of fall and holiday seasons. A large fall buy ties up cash for 60 to 90 days before sell-through.
The numbers in the example
- Planned fall inventory buy: about $120,000
- Expected sell-through window: 75 days
- Current cash reserve: enough for daily operations, not the full buy
How a review might look
A short-term working-capital loan or inventory-focused line can let the owner take advantage of vendor pricing without draining the operating account. A reviewer would look at margin, historical sell-through, and seasonality.
Practical Takeaway
- Size inventory funding to sell-through, not to the wishlist.
- Confirm vendor pricing in writing before requesting capital around it.
- Protect the operating cash buffer; don't fund inventory out of payroll cash.
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