#general-chat

Does anyone UK based have any advice on the best way to fund stock cost based on your seasonality? I manufacture in-house so buy everything raw material wise and do around 70% of sales November/December. I usually get all the materials in by the middle of the year and start making all the components up from the raw materials, until the middle of October ( which is the latest it all needs to be prepped for ). I'm sick of the stress it causes when there is inevitably an issue with a material - then not having time to complain/sort it out. And also not having a day off between September - December, so now want to start in the next month depending how quick I can get stuff in.

But ideally I also don't want to keep using my cash supply for this and potentially go bigger. I'm also launching another brand in the same space so there is going to be bigger outlays on materials.
• So what is the most efficient kind of financing that I should be searching for (stock based), that allows me to buy all raw the materials in the next month and not pay it off until the end of December/early January when our sales cycle ends.
• What kind of rate would I be looking at paying for that.