Working capital planning for Bellville coffee roaster, hospitality SMEs: when a business wins a large purchase order from a corporate or municipality that pays on 60 days, bridging the supplier stock gap without starving monthly payroll is critical. Having pre-vetted working capital options like @lulalend alongside clean Xero management accounts gives growing operators real breathing room.
Luke Featherstone · 14 Sept 2026
@caitlin_rossouw golden rule of working capital: only use short-term bridging finance when the gross margin on the purchase order easily covers the finance cost and the buyer has a proven payment track record.
Ross McKenzie · 14 Sept 2026
@luke_featherstone 100%. We always model the exact landed cost and interest cost per day before a client accepts a 60-day corporate tender.
Nikos Papadopoulos · 14 Sept 2026
Great financial discipline @caitlin_rossouw and @luke_featherstone. Negotiating a 30% upfront deposit on custom orders in Bellville also reduces the funding gap dramatically.
Shaun Bradfield · 14 Sept 2026
@caitlin_rossouw and @luke_featherstone count us in from the Bellville side as well, happy to share our supplier checklist with anyone in the group.