How a Hardware Store Used a Line of Credit to Survive a Supply Chain Crunch

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jun 27, 2026 · 9m · transcript

Lucas and Luna dive into the story of a mid-sized hardware store in Ohio that faced a cash flow crisis when its biggest supplier demanded payment upfront during the 2025 supply chain disruptions. Instead of cutting inventory or raising prices, the owner secured a $200,000 line of credit backed by accounts receivable. They walk through the negotiation with the bank, the interest rate of prime plus 2.5 percent, and how the store used the line to pay suppliers early and unlock discounts. The episode breaks down the math: a 2 percent early payment discount on $200,000 saved $4,000 per month, more…