How a Bike Shop Used Seasonal Credit Lines to Fix Cash Flow

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Aug 24, 2026 · 8m · transcript

In this episode of Cash Flow Conversations, Lucas and Luna look at how a bicycle shop in the Pacific Northwest used seasonal credit lines to manage the wild swings of a weather-dependent business. The shop's owner, a former bike mechanic, noticed that cash flow went negative every winter when sales dipped but rent and payroll didn't. Instead of relying on a standard line of credit, he worked with his bank to structure a seasonal credit line that expanded during the slow months and shrank during the peak season. Lucas breaks down how the credit line's parameters were set—using…