For companies operating in sectors such as beverages, hospitality, and outdoor goods, accessing short-term funding during critical months can mean the difference between an average year and exceptional results.
However, businesses frequently find themselves relying on long-term loans for short-term requirements, unnecessarily increasing their financial burden. While traditional banks often promote these long-term products, they are not always the most efficient or cost-effective solution.
Tupel’s Better Approach
- Flexible Funding: Access funds precisely when you need them.
- Cost Efficiency: Match financing periods directly to your cash flow cycles, significantly reducing costs.
- Simple Deferrals: Adjust repayments easily without penalties or added complexity.
Real-world Example
A soft drinks wholesaler was gearing up for the critical summer peak season. To manage warehouse space efficiently, it strategically planned three sequential supplier deliveries:
- May 15
- June 1
- July 1
Using the Tupel dashboard, the wholesaler was able to:
- Schedule supplier payments to ensure timely deliveries and take advantage of early payment discounts.
- Set customer repayment terms that aligned perfectly with anticipated incoming cash flow.
- Lock in financing conditions in advance, reducing risks and ensuring predictable costs.
All these activities were easily managed within his Tupel credit limit.
Additional Advantage for Customers
The wholesaler also introduced his customers to Tupel, allowing them to:
- Defer their payments by up to 60 days whilst the wholesaler was paid upfront.
- Increase order volumes by approximately 30% compared to traditional payment terms.
The Result
- The complete business cycle, from supplier orders to customer sales, was fully funded and secure.
- Financing was clearly scheduled around precise dates, ensuring minimal and predictable financing costs.
This targeted, flexible approach significantly boosted efficiency, profitability, and customer satisfaction, turning a typically stressful peak season into a profitable, manageable, and predictable success.