"They pay in 45 days. You need cash in 15 days to pay your pickers and your pump repair guy." He tapped the paper. "I buy your invoices at 92 cents on the dollar. You get $138,000 by tomorrow morning. When FoodHub pays me in July, you get the remaining 8% back, minus my 3% fee."

This is the story of that pulse.

She opened her laptop and built a spreadsheet she should have built years ago. She mapped out her cash conversion cycle: the days between paying for inputs (April) and collecting from buyers (August). That gap—122 days—was her enemy. Every day of that gap cost her money. seasonal working capital

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Seasonal Working - Capital

"They pay in 45 days. You need cash in 15 days to pay your pickers and your pump repair guy." He tapped the paper. "I buy your invoices at 92 cents on the dollar. You get $138,000 by tomorrow morning. When FoodHub pays me in July, you get the remaining 8% back, minus my 3% fee."

This is the story of that pulse.

She opened her laptop and built a spreadsheet she should have built years ago. She mapped out her cash conversion cycle: the days between paying for inputs (April) and collecting from buyers (August). That gap—122 days—was her enemy. Every day of that gap cost her money.