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Lines Of Credit

Maintain A Steady Cash Flow

Plenty of businesses experience peaks and valleys in their cash flow throughout the year. Some of it may be natural to your business, or it could be due to seasonality. Whatever the reason, it’s important that your business has enough working capital to maintain operation during slow times. With a line of credit from Banterra, your business will always have what you need to keep your business thriving, even during the slow times. Our lending team is ready to discuss if a line of credit is right for your business. You can apply online or contact your local Banterra branch to schedule an appointment.

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Small Business Line of Credit Benefits

A line of credit can be a game-changer for small businesses, offering flexibility and financial stability. Here are some specific benefits and examples of how small business owners can utilize a line of credit:

  • Managing Cash Flow: During off-peak seasons, a line of credit can help cover operational expenses such as payroll, rent, and utilities, ensuring your business runs smoothly without interruption.

  • Seizing Opportunities: If a sudden opportunity arises, such as a bulk purchase discount from a supplier or an unexpected business expansion, a line of credit provides the necessary funds to take advantage of these opportunities without delay.

  • Handling Emergencies: Unexpected expenses, like equipment repairs or urgent inventory restocking, can be managed without disrupting your business operations.

  • Marketing and Growth: Invest in marketing campaigns or new product launches to drive growth, even when cash flow is tight. This can help maintain momentum and keep your business competitive.

  • Seasonal Inventory: For businesses that experience seasonal demand, a line of credit can help purchase additional inventory ahead of peak seasons, ensuring you have enough stock to meet customer demand.

How to Use a Small Business Line of Credit

By leveraging a line of credit, small business owners can navigate financial challenges and seize growth opportunities, ensuring their business remains resilient and competitive.

  • Retail Store: A small retail store might use a line of credit to stock up on inventory before the holiday season, ensuring they have enough products to meet customer demand.
  • Restaurant: A restaurant could use a line of credit to cover payroll and utility bills during a slow month, ensuring they can keep their doors open and staff paid.
  • Service Business: A service-based business, like a landscaping company, might use a line of credit to purchase new equipment or hire additional staff during the busy summer months.
  • Professional Services Firm: A consulting firm might use a line of credit to bridge the gap between project completion and client payment. This ensures they can cover operational costs, such as salaries and office expenses, while waiting for client invoices to be paid.

  • E-commerce Business: An online store could use a line of credit to invest in website improvements and digital marketing campaigns. This can help drive traffic and sales, especially during key shopping periods like Black Friday or Cyber Monday.

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Banterra recognized my ambition to succeed and extended a business line of credit when other banks wouldn’t. They have provided all of the monetary resources that I have needed over the years, along with expert staff to support their commitment to me as a customer.

-Marty Johnson
Johnson Plaster & Vinyl, Inc.
Paducah, KY

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