Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Hardware Store Used Inventory Financing to Break a Cash Trap
Episode 97 of Cash Flow Conversations with Fexingo. Lucas and Luna explore how a small hardware store in Portland used inventory financing — specifically a field-warehouse arrangement — to turn slow-moving stock into immediate working capital. The owner, Maria, had $120,000 in unsold snow blowers tying up cash each spring. By partnering with a collateral manager who verified and monitored the inventory, she secured a six-figure loan at 9% APR, repaid as the blowers sold. The episode unpacks the mechanics: how field warehousing works, why lenders accept it, and the risks if inventory…
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