Seasonal Working Capital -

"You're too small for a revolving line of credit from a bank. But you're too big for me to keep funding at reasonable rates. You need to self-finance your seasonal cycle."

Her local bank, First Rural, said no. "Insufficient collateral," the loan officer had said, not unkindly. "Your assets are still on the trees, Ms. Voss. We can’t lend against blossoms." seasonal working capital

Fatima nodded. "Then you're not asking for seasonal working capital. You're asking for a seasonal strategy ." "You're too small for a revolving line of credit from a bank

Dante raised his fee to 5%. "Higher risk in peak season," he said, shrugging. "If your buyer goes bankrupt before they pay me, I eat the loss. That’s the bet." "Insufficient collateral," the loan officer had said, not

"Yes."

She called Dante. He listened. Then he said something that surprised her.

The line of credit was approved for $200,000.