How to use credit to optimise cash flow
As an entrepreneur, you know that growth requires capital. Traditionally, we might have thought of bank loans as a "cost" or viewed credit purely as a liquidity fix. But what if you could see your financing as something more? What if your ability to pay invoices with credit became your primary tool for acceleration?
At Juni, we believe modern financing is about investing smartly. Once you have found a strong product market fit, the rules of the game change. Capital becomes a tool. Use it to scale with precision. This guide is your compass for navigating how you can use a modern credit solution as a powerful investment tool for sustainable growth.
Let us show you how you can improve your cash flow and transform it into a growth engine.
Step 1:
Identify your growth opportunity: what do you want to invest in?
Before you even think about financing, identify the specific growth opportunity you want to focus on. What is holding your company back from taking the next step? This is crucial to be able to scale with precision.
- New project or contract: Have you secured a major agreement that requires investment in materials, staff, or products before the revenue starts flowing?
- Expanded marketing: Do you want to scale up your marketing efforts to reach new customers quickly, but need capital to finance the campaigns?
- Increased inventory or purchasing: Are you facing a peak season or an opportunity to buy volumes at a discount, but lack liquidity?
- New hires: Do you need to hire key talent to handle increased demand or develop new products and services?
- Internal investments: Do you need to upgrade systems, machinery, or premises to streamline operations and increase capacity?
Think like an investor: Where would you place capital in your company to maximise the return? Juni’s solution for paying invoices with credit is your tool for making those exact investments.
Step 2:
Analyse your cash flow: understand your current situation
To invest smartly with credit, you must have full control over your current cash flow. This is your "due diligence" ahead of your own investment.
- Inflows and outflows: Map out your revenue and expenses. When does money come in and when does it go out?
- Payment terms: What payment terms do you have with your customers versus your suppliers? Long payment times for customers clashing with short due dates is a classic indication of the need for a solution with better repayment terms. With Juni, you can for example extend the repayment period up to 120 days and thereby improve your cash flow.
- Liquidity gaps: Identify periods when you expect a negative cash flow. These are good opportunities to pay invoices with credit to avoid growth being slowed down.
A thorough cash flow analysis helps you see exactly where and when an investment in liquidity can provide the best return.
Step 3:
Choose the right investment tool: why Juni’s solution is unique
There are many ways to finance growth, but Juni’s solution is a particularly smart investment for managing cash flow and enabling rapid action.
- Pay invoices with credit: Juni’s credit solution provides a flexible financing option through our accounts payable feature. Gain control over your cash flow with the ability to pay invoices with credit, and extend the repayment period up to 120 days.
- Fast and flexible: Access credit from 100,000 SEK up to 5,000,000 SEK. Apply directly from your Juni account and get a decision within 24 hours. It is an agile solution that gives you the opportunity to adapt quickly to the market.
- Seamless integration with Fortnox: Juni’s seamless integration with Fortnox significantly reduces manual work and makes it easy to import invoices, pay them with credit, and automatically sync back to Fortnox. It is an investment in efficiency and less administration, so you can focus on growth.
- Transparent fees: Only pay for the credit that you use, with fees as low as 1.5% for 30 days.
- No dilution: Juni’s credit solution is a pure form of financing that gives you access to capital without needing to give up equity in your company. Your investment in liquidity is pure financing that retains 100% control over your business and all the upside for the company.
Step 4:
Ensure responsible investment: Juni’s philosophy
Using credit as an investment is about making conscious and responsible decisions. Juni encourages a strategic view of credit, not consumption.
- Purpose driven use: Use the credit solution to finance specific, growth driving initiatives that were identified in Step 1. See it as dedicated investment capital.
- Overview of costs: With fees from 1.5% for 30 days, Juni’s transparency makes it easy to calculate the return on your investment. You only pay for the period you use the credit.
- Short term effect, long term gain: Juni’s credit solution is a short term financial injection that creates long term benefits. Use it to bridge cash flow gaps and ensure that larger, profitable projects can be completed.
A responsible investment strategy with Juni is about planning, executing, and following up.
Step 5:
implement and integrate: maximise your investment with Juni
The real power of Juni’s credit solution lies in its simplicity and integration.
- Simple management: Our solution is designed to be simple. Log in, choose your terms, and use your credit to finance invoices directly. This is a rapid investment in capital.
- Fortnox synchronisation: This is your digital investment platform. Juni enables paid supplier invoices to be booked, paid, and matched automatically by handling them directly in the platform. You can easily import invoices from Fortnox to Juni to pay them with your credit, and when the transaction is complete, the paid invoice is sent back automatically. This automates your financial management and frees up time you can invest in your core business.
- Efficient expense management: Use our platform to create virtual cards for specific teams or projects with full control. Easily add receipts via mobile or computer. This is a direct investment in your company efficiency.
- Multi currency accounts: In addition to this, Juni simplifies your international transactions. Manage your payables and receivables globally with accounts in multiple currencies. This eliminates cumbersome exchange fees and is a smart investment for scaling your business internationally with precision.
Step 6:
Measure the return on your investment: from credit to growth
Just like with any other investment, it is crucial to measure the return. How has Juni’s credit contributed to your growth?
- Increased turnover: Have you been able to take on more or larger projects? Have your marketing investments had an effect?
- Improved profitability: Have you been able to secure volume discounts or avoid expensive and late payments?
- Better cash flow: Has the opportunity to extend the repayment period up to 120 days smoothed out your cash flow and given you more negotiating room with suppliers?
- Time saving: How much time have you saved on administration thanks to the Fortnox integration? This time can be seen as a direct investment in strategic work.
- New opportunities: Has Juni’s solution opened doors for deals that would otherwise not have been possible?
See these as direct wins from your investment in Juni.
Step 7:
Scale your growth: Juni as your continued investment partner
Your growth journey is continuous, and Juni is designed to be your scalable investment partner. When you have found a strong product market fit and are ready to scale, Juni gives you the tools to do it with precision.
Modern banking for the global market
Juni is more than just credit. It is modern banking designed to handle the complexity of international trade. Scaling globally requires financial agility, and we give you that through:
- Simple multi currency management: Easily create new accounts in 5+ currencies to manage payables and receivables globally, directly from one single dashboard.
- Secure and cost effective payments: Make fast and secure transfers with IBAN, Bankgiro, SEPA, or SWIFT. Move money between your own accounts without a fee, or exchange currency at a low, transparent fee.
- Global reach: Pay suppliers in countries all over the world, with payments to Asia, Oceania, and North America.
Smart corporate cards
- Flexible terms: When your business grows, your access to credit grows with you. You can access credit from 100,000 SEK up to 5,000,000 SEK and up to 120 days to repay, which provides the flexibility required for larger investments.
- Accounts and cards: Create and manage virtual cards for your team with customised controls and limits, making it easy to allocate budget for different investment areas and projects. Furthermore, get up to 1% cashback on debit purchases, which gives you a concrete return on your spending.
- Continuous optimisation: Use the insights from your cash flow analysis and investment return to continuously optimise how you use Juni for future growth.
Ready to invest in your future with Juni?
Want to know more about how you can optimise your cash flow? Get in touch with us today!
