Fueling Growth: How to Get the Cash You Need

Have you ever turned down a growth opportunity because you couldn’t afford to take it on? Many business owners encounter this same problem at some point in their careers: They have just enough cash to keep operations running but not enough to take on substantial growth opportunities.

Scaling your business requires significant upfront investments before reaping any of the benefits. And if your customers are taking 30-90 days or longer to pay their invoices, your cash flow may be holding you back.

Why Growth Requires Capital

To grow, you need to: 
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• Expand into new markets
• Market your services to attract new customers
• Hire additional employees
• Upgrade equipment 
• Grow your inventory 
• Keep up with competitors

​All of this requires cash upfront. 

For B2B industries like wholesalers, manufacturing, and distribution, extended payment terms, high overhead costs, and seasonal fluctuations are the norm. That means these businesses often run into the Cash Gap, which is the period between when payment for goods is due and when the customer's payment comes in from the sale. The gap makes it hard for businesses to grow because their working capital is used to cover operational costs and stay afloat until payments come in, often resulting in missed growth opportunities and stagnation.

Assessing Your Capital Needs

It’s important to consider your unique challenges when choosing the right financing option. 
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• Will you be upgrading equipment or increasing inventory? 
• Expanding into new markets or facilities? 
• Hiring more staff?

​Determining how much funding you’ll need and what you’ll need it for will help determine which kind of financing aligns with your business goals.

Traditional Financing: Why it Falls Short 

Bank loans and lines of credit allow business owners access to capital and offer predictable payment terms, but they aren’t always realistic options for B2B owners: 
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• Lengthy approval processes (30-90 days or longer)
• Strong credit history requirements 
• Collateral requirements
• Fixed terms with no room for flexibility 

​According to the Federal Reserve Small Business Credit 2025 Report on Employer Firms, 41% of small business applicants received all the financing they sought, meaning the remaining 59% received partial or no approval. 

SBA loans have more flexible loan options and typically lower interest rates, but it’s a complex process to qualify, with stringent criteria. Growing businesses with inconsistent cash flow may be denied, and if you need cash fast, these processes may take too long to determine if you made the cut.

Alternative Financing: Not Ideal for B2B Businesses

Some alternative options for business owners:
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• Revenue-Based Financing or Merchant Cash Advances: Allows you  to maintain ownership of your company, but often at a steep price. Their high fees can worsen cash flow issues if your revenue is inconsistent, and the structure can make it nearly impossible to transition to traditional bank financing.  
• Crowdfunding: Great for product launches and marketing outreach, but this method takes time and effort, and success is uncertain. 
• Angel Investors or Venture Capital: Generally well-suited for long-term growth, but often require giving up equity and control of decision-making, with lengthy timelines for funding. 

​These options all have their place, but there are better options if you need access to working capital fast to cover payroll or fulfill a big order.

Quick Comparison

The Better Way: Factoring with PBC

Factoring eliminates the cash gap by turning unpaid invoices into immediate working capital. 

Here’s how it works: 
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1. You issue the invoice to your customer
2. Prairie Business Credit advances you a percentage of the invoice upfront
3. We collect the payment directly from your customer 
4. Once we receive the customer's payment, we will send you the balance, minus a small fee for the service

​When customers are late on their payments, factoring provides a solution to bridge the gap so you can cover expenses and take on new growth opportunities without cash flow disruptions. 
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Need help with a big order? Prairie Business Credit can pay your supplier directly so you can fulfill customer orders without delay with Purchase Order Financing. Once your customer pays the invoice, we’ll remit the remaining balance back to you. It’s a fast, flexible solution to help you take on large orders and keep your production moving.

​Why Businesses Choose Factoring with PBC

• You don't need perfect credit to qualify - Financing is based on your customer's reliability, not yours.
• Immediate access to working capital - so you can say yes to growth opportunities without waiting for slow-paying customers. 
• No additional debt - You’re not taking on a loan, just getting cash faster for the work you’ve already done. 
• Maintain ownership - you keep all your business's equity, ownership, and control. 
• Flexible funds when you need them - flexible options to adapt to your cash flow needs.
• Bridge the cash flow gap - Cover payroll, pay suppliers, and stay ahead of slow-paying customers. 
• More than just funding - Prairie Business Credit provides personalized support and financial guidance to help your business grow. 
• Great for B2B industries - especially wholesalers, distributors, manufacturers, service providers, and entrepreneurs. 

All in all, factoring grows your business. When cash flow is no longer holding you back, growth is inevitable. With Prairie Business Credit, you’ll have the funding and support to make it happen. 

​​Why You Should Choose PBC

With over 30 years of experience, Prairie Business Credit offers relationship-focused financial guidance, tailored financing options to fit your unique cash flow challenges, and fast onboarding so you can start growing your business today. Over 70% of our clients have progressed to traditional banks or self-financing. 

Our services include: 
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• Accounts Receivable Financing (Factoring) 
• Purchase Order Financing 
• Receivables Management 

​Trusted by entrepreneurs and small business owners across industries, we’re here to help you get the cash you need, when you need it.

Start Growing Your Business Today
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Cash flow shouldn’t be what's holding back your business growth. Reach out to Prairie Business Credit for a consultation today.

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