$90,000 line of credit for a seasonal retailer's stock build
- Amount
- $90,000
- Asset / purpose
- Business line of credit
- Industry
- Retail (homewares)
- State
- NSW
- Business age
- 5 years trading
- Timeframe
- Facility approved in 3 days
The situation.
A homewares retailer does nearly half its year between October and December — but suppliers want payment for the Christmas stock build in August, months before the sales land.
Why it was stuck.
A term loan was the wrong shape: borrowing a lump sum for twelve months to cover a ten-week gap means paying interest all year on money only needed for one quarter.
The structure we arranged.
A revolving line of credit sized to the stock build: drawn against supplier invoices from August, interest charged only on the drawn balance, repaid out of December takings — then sitting at zero cost until next season.
The outcome.
The facility was approved within three days and now repeats every season — the retailer buys deeper for Christmas without a term debt hangover in the quiet months.
Illustrative example — representative of the deals we arrange, not a specific client file. Structures, timeframes and outcomes vary with your profile and the lender.
Reviewed by Corey Marino — Founder & Finance Broker, FBAA & AFCA member
Last reviewed 13 July 2026 · About Corey →