Owners on what the money did

The walk-in and the hood system went out in the same week, in November. I sent statements on a Tuesday morning and had an answer before lunch, money Wednesday. Because it comes out of card sales, the slow stretch in January took noticeably less out of us than the fall did.

We were quoting jobs we could not staff because the second bucket truck was three months out on order. They financed a used unit from a private seller, arranged the inspection themselves, and paid the seller directly. The payment is less than what one crew bills in a week.

Our shippers pay at 60 days and drivers do not. We factor the freight bills now, usually funded the day after they are submitted, and I have stopped choosing which vendor waits. They were also straight with me that the fee is per invoice, not a monthly thing, which nobody else explained properly.

I did not need a lump sum, I needed something to sit there for the four times a year inventory and payroll collide. The line has been at zero for months at a stretch and it costs me nothing while it is. When I do draw it is in the account that afternoon.

My score is in the high 500s and I said so before anything else, expecting the usual runaround. They told me where their floor was, told me the bank statements would decide it, and that is precisely what happened. Nobody made me a promise before they had read the account.

The second location needed a five-year answer, not a six-month one, and they said so rather than selling me the faster product. The monthly payment has not moved once and I built the whole build-out budget around it. Same person handled the file start to finish.