A husband and wife team in Charlotte had won several new commercial HVAC maintenance contracts. The work was profitable. The invoices would pay in 45 to 60 days. The problem was payroll, vehicles, and tools were needed now.
Their existing bank line was at its limit. Additional secured lending required more collateral and personal guarantees than made sense for contracts they had already won. Turning down work was not an option they were willing to accept.
Over the next nine months the business grew total revenue by 35 percent. Recurring maintenance subscription revenue increased by 25 percent. Payroll and vendor payments stayed current through the slow pay periods. The improved financials later qualified the business for a larger conventional bank line.
Purple Tree reviewed 12 months of invoicing patterns, the mix of commercial and residential work, and contract margins. Based on that picture, they advanced $180,000 against expected revenue. Repayment was a fixed percentage of weekly deposits, so payments flexed with activity instead of running on a fixed schedule.
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Accept your offer and get funds. Receive working capital the same day.
Yes. Food service includes restaurants, bars, cafes, food trucks, catering companies, bakeries, and other operator-led businesses. The review is based on business performance and cash flow patterns.
Seasonality is normal in food service. What matters is whether the funding structure matches your revenue cycle and whether your recent bank activity supports repayment.
