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How To Manage Cash Flow During The Black Friday Busy Season


Learn how to manage cash flow during the Black Friday season here!

Derric Haynie

Oct 26



For many merchants, Black Friday/Cyber Monday is where you make a majority of your annual revenue. Often pulling in what is typically 3 months or more of revenue in just a couple of weeks.

This is why it is so important to have every aspect of your Black Friday campaign buttoned up.

We’ve covered Black Friday/Cyber Monday Best Practices before, at our “The Future of Ecommerce” events. Feel free to watch the sessions here.

After doing the event, I realized we didn’t really talk about cash flow and inventory management that much. We were more focused on customer experience and conversion rate optimization. So I thought I’d take a minute to map out some options for improving cash flow, ensuring you don’t run out of inventory, and maximizing operational and financial value of your busy season.

Predicting Demand for the Holidays

Let’s start with trying to predict demand. For me, this comes down to two tools:

  1. Inventory Prediction – Tools like Inventory Planner. This will help use previous years and months data to predict sales volume for this year, as well as prep out and send purchase orders.
  2. Price Testing and Sales Volume Prediction – Tools like Pricestack. This will help you understand how volume will be affected based on your discounting strategy, as well as give you insight into what your discounting strategy should be.

Between these two types of tools, which are both really only for medium to large volume merchants (1,000+ orders/month), you should have a good understanding of the cash flow demands you’re going to need in order to buy enough product to cover the season.

Next up, you need to understand the financial products available to Ecommerce merchants that help you extend cash flow. These are primarily credit card and loan providers, and mostly you’re looking for a great rate, and you want to understand their underwriting process and find one that is best for you.

The Best Financing Options for Ecommerce Brands for Black Friday/Cyber Monday/Holiday Campaigns

Products include:


Rho is a financial management platform designed for Ecommerce merchants.

They offer: 

  • Commercial-Grade Banking
  • Corporate Cards
  • Accounts Payable
  • Capital Markets
  • Budgeting
  • Global Payments
  • And more.

You can use their platform to gain access to capital markets and improve cash flow for the holiday season and beyond. They also offer:

  • Fee free wire transfers.
  • Corporate cards with flexible repayment terms.
  • 1.5% cash back on all transactions with no personal guarantees.

You can get started with Rho in less than 48 hours by signing up, entering your business details, integrating your key accounts (Shopify, etc) and getting approved by their team. They work for merchants of all sizes, from starting store to enterprise.

Check out what Rho has to offer. 


Ramp is a credit card and financial management tool that allows you to earn 1.5% cash back on all purchases while also automating your accounting. It takes everything you would usually have to track by spreadsheet (travel, recurring expenses, supplies, etc.) and plugs it into an easy to use platform.

The 3 main components to Ramp are:

  • Financing
  • Expense Management
  • Vendor Management

Ramp is used like a charge card where you pay the entire balance at the end of every 30 day period, so there are no fees (0% APR’s), or spending caps because you are paying it back right away. Charge cards are underwritten based on cash on hand on the day of your application for a lesser amount than what is in the bank, and you are earning 1.5% cash back on every purchase with no minimum spending or waiting required. You can access your reward as soon as you have earned it.

Check out what Ramp has to offer. 


Brex offers an all in one approach to financial management for growing your businesses. From business accounts and credit cards, to spend management tools, they are transforming the way Ecommerce merchants manage their money. 

  • Zero Fee Banking
  • Instant Access to Your Revenue (get paid instantly from your Amazon, Paypal, Shopify, Square and Stripe accounts when you connect them to Brex)
  • Uncapped Rewards
  • Spend Management

The best thing about Brex is they use your Shopify sales and bank data to validate and approve your credit cards, thus the card is tied to the business, not you personally. Cards are available for daily (everyone) or monthly (certain size and revenue requirements) repayments with no fees or personal guarantees. 

Check out what Brex has to offer. 


Plastiq is  an “intelligent payment platform” that offers the ability to pay for anything using a credit card, even where credit cards are not accepted. Say you need to pay a vendor that only accepts ACH, but you need to keep cash on hand. You setup a payment with Plastiq to your vendor with your credit card, Plastiq takes a small fee for charging the card, then pays your vendor via ACH. Essentially acting as the middleman for payment. You get to earn rewards through your credit card benefits, keep cash on hand and your vendor gets paid on time.

Plastiq offers:

  • Global Payments
  • Pay Cash from your bank account
  • Syncs with QuickBooks online
  • Multiple User accounts
  • And more

You can use Plastiq to pay your bills, get paid or for both.

Check out what Plastiq has to offer. 


Wayflyer is a revenue-based financing platform for Ecommerce brands that helps you bring in capital to support marketing, inventory, or general cash flow. They import Google Analytics and Shopify data, process it, access your performance, and then give you a range of financing options based on your revenue.

They study your data to figure out two things: 

  • How fast you will grow if they don’t give you money.
  • How fast you will grow if they give you money. 

And if giving you money helps you grow faster, it is a clear win-win.

There is no personal guarantee required and it does not affect your credit score to get funding with Wayflyer. The faster you make money, the faster you repay them. The slower your sales, the slower your repayments. Wayflyer is all about helping companies grow, tracking that impact and keeping merchants in a strong cash flow position.

Check out what Wayflyer has to offer.

Clearco (formerly Clearbanc)

Clearco offers equity-free capital products that allow you to scale your business and maintain 100% ownership and control.

They offer:

  • No personal guarantees
  • No monthly minimums
  • Capital offers are based completely on (6 month trailing) revenue and sales history
  • Turnaround times for approval and funds hitting your account are an average of 48 hours 

Investments range from $10K to $10M, and are repaid via a revenue share agreement, plus a flat fee. The fee typically starts at 12% fixed, however, if you use it for marketing or inventory, which they recommend, it may be reduced to as little as 6%. This means if you’re planning on making more than a 6% margin on the sales made by using this capital, you have a clear win-win growth lever to pull.

Check out what Clearco has to offer. 

7 Figure Funding

7 Figure Funding is an affiliate financing platform that helps less established business owners get revolving credit lines, even if they have a brand new business or have no sales yet. 

They provide a money back guarantee to obtain the best and most funding a merchant qualifies for, and even helps them get multiple types of funding to ensure they get the most capital to grow their business.

There are 3 Ways to Qualify:

  • Personal Credit
  • Verifiable Personal Income (w2 if employed, last 2 yrs taxes if self employed) 
  • Business Financials

Options for funding include Unsecured Loans, Lines of Credit, Revolving Lines of Credit and more. Unsecured loans are available up to $250,000 at 0% interest for 12-18 months. 

Check out what 7 Figure Funding has to offer. 

Final Thoughts

So there you have it, with a few steps you can easily figure out your cash flow needs for Q4 and then secure the financing that you need – be it a credit card with great cash back or longer repayment terms, or a capital loan based on sales, or a personal loan based on you, etc.


The information and content in this article is provided solely for informational and personal purposes, and does not constitute legal, financial, tax planning, or other advice from EcommerceTech.  Your business financial situation is unique, and any information and advice obtained through this article may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial and/or legal advisors who are fully aware of your unique circumstances.  EcommerceTech makes no representations, warranties, or guarantees, express or implied, regarding the information, products and/or services in this article, including, without limitation, any representations or warranties that (a) the information, content, products and/or services in this article are accurate, timely, and/or error-free, or that defects and/or errors will be corrected, or (b) any results that may be obtained from the use of such information, products and/or services will be reliable or meet your requirements.   EcommerceTech assumes no liability whatsoever for inaccuracies, misstatements, or omissions related to this article and/or any information, content, products and/or service in this article.  Your use of and/or reliance on the information, content, products and/or services contained in this article is entirely at your own risk.

Special thanks to our friends at Ecommerce Tech for their insights on this topic.
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