Working Capital Made Simple: What Brokers Need to Know Now
Working capital is becoming one of the biggest talking points in our broker conversations this quarter. Clients want room to breathe as they plan for the months ahead and they want options that support both daily operations and growth.
This update opens that door. Juice now allows clients to use their line of credit for working capital, alongside marketing and inventory. It removes friction, gives clients more freedom, and gives brokers a clearer way to support them at speed.
This guide explains what working capital means in practice, how the updated facility works, and how brokers can use it to strengthen conversations and win more deals.
What Working Capital Actually Solves for Clients?
Working capital is one of the most common pressure points we see across customer conversations. It is the money that keeps a business running day to day. When it drops, everything slows. When it is steady, clients make decisions with confidence and move faster.
Many clients face the same pattern. Sales cycles stretch. Supplier terms shift. Cash reaches the business slower than expected. At the same time costs rise, especially during busy periods when teams need more stock, more people, or more operational support.
This is where a flexible line of credit becomes valuable. It covers operational gaps without locking clients into long terms. It gives them breathing room while they wait for revenue to settle. It lets them take action now instead of delaying important steps.
Working capital also supports healthier planning. Clients can place smarter stock orders, invest in service improvements, and handle urgent expenses without interrupting long term goals. This often results in stronger performance during seasonal peaks and steadier growth across the year.
For brokers, this creates a clear way to add value. You can help clients understand the difference between surviving cash delays and using capital to stay in control. You can widen the conversation from short term needs to long term resilience. And with Juice removing the invoice requirement, the process becomes simpler and faster for both sides.
When a client understands how working capital protects momentum, the funding conversation becomes easier. It feels less like borrowing and more like unlocking smoother operations.
How This Update Helps Your Clients in Practice
Brokers often ask what “working capital flexibility” looks like in real terms. Here are the most common situations where this update offers clear value.
1. Smoother cash flow during busy cycles
Some clients have strong sales but slow settlement times. Others deal with long supplier terms. A facility that supports working capital helps them bridge the gap. They can cover payroll, fulfilment, or supplier payments without waiting for revenue to land.
2. Faster decisions on stock and operations
Many clients need to act quickly when demand rises. They might want to place a top up stock order, secure a shipment, or handle an unexpected operational cost. Working capital funding gives them room to act at the right moment instead of hesitating.
3. Better support for seasonal or uneven revenue
Seasonal businesses feel sharp swings throughout the year. The updated facility helps them stay stable between peaks. It supports predictable planning instead of constant stop and start cycles.
4. More freedom around how funds are used
Clients no longer need to submit invoices for drawdowns. They can use the facility to support the wider health of the business. This includes customer service improvements, website updates, small equipment needs, or stock organisation. It removes friction and gives them more control.
5. Clearer conversations during early discovery
Brokers can now explore a broader range of use cases with clients. If a client feels blocked by daily cash needs rather than big projects, you can still guide them toward the right facility. This widens the pool of businesses you can support.
6. Stronger client relationships
When a funding option helps a client stay steady, they remember it. Working capital support often creates long term trust. It shows you understand their real pressures, not only the high growth moments.
7. A smoother path to repeat deals
Clients who use working capital responsibly tend to return for structured growth funding when the time is right. This update opens a cleaner pathway from first deal to long term partnership.
How Brokers Can Use This Update to Strengthen Their Pipeline
Working capital support brings more than flexibility. It opens the door to smoother outreach, clearer guidance, and easier conversations with clients who need stability to move forward. These ideas help you turn the update into practical pipeline strength.
1. Revisit clients who needed room to breathe
Some clients paused earlier in the year because invoice led drawdowns slowed them down. Others struggled with fast supplier cycles or unpredictable revenue timing. These businesses now have a cleaner fit. When you reach out again, you can use themes explored in the article about staying steady after peak season.
2. Support early stage operators who focus on stability
Many early stage or smaller businesses spend most of their time juggling day to day pressure. Working capital gives them a first step that feels achievable and safe. This aligns with ideas shared in “Turning Borrowed Capital into Lasting Growth,” where flexible credit helps create long term direction:
Make discovery calls more effective
When clients feel squeezed by uneven cash cycles, you can guide them with a clearer solution. Working capital helps them stay in motion. This supports the message from Why Growth Hacks Fail, where strong systems create better outcomes than shortcuts.
Help clients manage seasonal swings
Retail, hospitality, events, and travel businesses move through strong and quiet periods. Working capital helps them stay balanced through these changes. You can link this idea to the themes in “Build Loyalty This Peak,” which explores how consistent operations support stronger customer relationships.
Use funded examples to build confidence
Sharing funded examples helps clients see what is possible. A similar mix of industries appears in Grow Your Business With Us, which offers a clear view of the types of businesses that work well with flexible credit
Position yourself as the partner who removes friction
Brokers who remove stress points stand out. The working capital update removes common blockers and makes the overall experience smoother. This aligns with the insights captured during the November community event.
How Juice supports your clients after the first deal
Great referrals do more than close a single facility. They open a longer story for your client. That is where Juice works best.
On the broker side, the overview in Grow Your Business with Us sets out what you can expect. Fast decisions. Clear structures. A team that keeps you in the loop. It is written for introducers, so you can share it or use it as a reference in conversations. On the client side, articles like Stock Smart: Why Inventory Strategy Is Your Real Growth Lever and Beyond the Sale: How to Maximise Customer Lifetime Value This Peak Season show how funding translates into practical decisions. They cover stock planning, retention, and the compounding effect of repeat customers. You can point clients to these pieces when they want ideas, not only capital.
When a referral makes sense
If you work with clients that match the profile in our Now Funding Non-Digital Businesses update, an introduction can add real value. They get flexible credit and guidance on how to use it. You get a partner that treats your role as central, not incidental.
For businesses that need a deeper explanation of the structure, Revolving Loan Facility Explained: How Does It Work? is a helpful link. It walks through how a line of credit works, in plain language, so you do not need to spend time answering the same product questions again and again.
In the end, the story you tell your clients stays simple. You bring them a funder who understands growth, offers a flexible line of credit, and backs that funding with clear education and support. The articles help reinforce that story long after the first introduction.
Working capital opens the door to faster conversations, clearer support, and easier decisions for your clients. If you want to revisit older leads or guide businesses that need stability before growth, this update gives you the right starting point.
When you are ready, introduce them through the referral programme and we will take it from there.