The challenge

When the owner of a badminton venue decided to refinance their property, the long-term benefits were clear. In the short term, however, the timing created a cash flow gap the business wasn’t prepared for.

Like many venue-based businesses, overheads such as rent, staffing, utilities and maintenance didn’t pause while the refinance was underway. With an existing loan in place and a poor credit score, the owner found it difficult to access short-term funding. Traditional lenders focused on the credit history and current liabilities, leaving little room to consider the underlying strength of the business.

As the refinance timeline extended, access to flexible funding became essential to keep day-to-day operations running smoothly.

The Bizcap solution

Having previously worked with the business, Bizcap already understood its operations and what the owner was trying to achieve. Rather than focusing solely on credit score, our team took the time to understand the full situation, including the refinance timeline and immediate cash flow needs.

Bizcap approved a $105,000 Business Line of Credit, providing fast access to funds without requiring the business to take on more debt than it needed upfront.

This allowed the owner to manage short-term cash flow pressure while the refinance progressed, without locking into a rigid loan structure.

Why a Line of Credit was the right fit

The uncertainty of the refinance meant the business needed flexibility, not a fixed lump sum.

With Bizcap’s Business Line of Credit, the business was able to:

  • Access funds only when cash flow gaps arose
  • Cover operating costs while waiting for the refinance to settle
  • Reduce or repay the facility once the refinance was completed.

This approach helped the owner stay in control, knowing funding was available without paying interest on unused funds.

The outcome

With Bizcap’s support, the business maintained steady cash flow while the property refinance was underway, allowing operations to continue without disruption.

The business owner shared:

Bizcap is the best choice for a small business financial loan – always helping and trying their best to give you a loan in less than three hours

Are you looking for flexible funding to support your business through a period of change? Bizcap’s Business Line of Credit can help keep cash flow moving when timing matters. Apply now to see how it could work for your business.