ABOUT THE AUTHOR
The Client
SwiftFlow*, a Florida HVAC and electrical services business, works in a highly seasonal industry where demand surges and slows throughout the year. The company had already established a demand-proven electrical division alongside its HVAC core, creating an opportunity to balance workload and revenue across seasons.
The Opportunity
As HVAC demand peaked, the business focused on meeting immediate customer needs. As winter approached and HVAC cycles slowed, the offseason created space to invest in the electrical division, adding capacity without draining internal reserves or disrupting cash flow.
The Challenge
What the business needed to account for included:
- Preserving internal reserves for operational flexibility
- Avoiding short-term repayment structures that tightened cash flow
- Aligning payments with seasonal revenue patterns
- Expanding only at a pace the business could sustain
Traditional financing pushed the business to move on traditional timelines, out of sync with the seasonal cycles the business operated within.
Our Approach
National Business Capital structured a $1,000,000 term loan designed to integrate directly into the company’s seasonal operating cycle.
The structure included:
- A 16-month term with biweekly payments
- Consolidation of two short-term weekly repayment structures into one manageable schedule
- Flexibility to deploy capital in stages rather than all at once
This allowed the business to use capital as needed, while keeping reserves intact.
The Outcome
With capital structured to match the business’s rhythm, SwiftFlow was able to:
- Draw an initial $200,000, followed by the remaining funds in December
- Outfit 50 new service vans
- Hire additional electricians
- Expand a proven electrical division
The funding supported steady operations year-round.
Why This Is True Capital
This was less about having cash on hand and more about compounding capability.
By strengthening the electrical division alongside HVAC, the capital reinforced the business model over time.
Once the electrical division carries its share of operational weight by the next season, the business enters that cycle with:
- A more balanced operating mix
- Reduced dependence on seasonal demand
- Greater control over timing, capacity, and reserves
Why National Business Capital
We work with businesses whose progress depends on timing, structure, and fit. If you’re planning the next phase of your business, we’re here to help.
