Seasonal businesses are no strangers to the unpredictable nature of cash flow. The busy months are great, but what happens when the sales slow down? Bills keep piling up, and you need a way to keep your business running smoothly until business picks up again. That’s where you pay by credit card. With the right platform like Zil Money, you can bridge the gap during slow months, pay your bills on time, and keep everything running without the stress.
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Why Seasonal Businesses Struggle with Cash Flow
If you own a seasonal business, you know the drill. During your peak months, everything feels great—sales are rolling in, and you’re in a solid financial position. But when things slow down, you might find yourself struggling to pay rent, employees, or cover essential expenses. This is a common issue, and you’re not alone. In fact, 51% of U.S. small businesses are considered financially unhealthy as of December 2024, dealing with cash flow problems, high debt, and the stress of unpredictable income.
And here’s another stat: 70% of small businesses that used financing in the past year relied on credit cards, according to an April 2023 survey by the NFIB (National Federation of Independent Business). Credit cards are often a lifeline for businesses in tough spots, giving them the flexibility they need to stay afloat when money is tight.
How Paying by Credit Card Can Help
So, how exactly does paying by credit card help during those slow months? Let’s find out!
1. More Time to Pay
In slow months, you do not want to concern yourself with prompt payments. Credit card payments allow you the luxury of stretching payments and giving yourself time. Most business credit cards have a grace period of 30 days, so you can pay bills now and settle the balance when cash flow is better. This can save you from having to scramble for funds at the last minute.
2. Earn Rewards on Your Spending
The best part? You can easily get rewards for using your credit card. Whether it’s cashback, travel points, or other perks, using your credit card for business expenses gives you something back. This is especially helpful during slow months when every little bit counts. For example, you can earn cashback on inventory purchases or pay for essential services while earning rewards to offset some of your costs.
3. Keep Your Business Running Smoothly
Credit cards allow you to cover business expenses—like inventory, staff wages, or emergency repairs—without worrying about cash flow gaps. You can keep your operations going even when sales aren’t coming in as expected, which means no interruptions in service for your customers.
4. Build Your Business Credit
Applying credit cards sensibly not only manages cash flow but also establishes the credit score of your business. Paying the balance due on time while maintaining manageable debt levels means you’re setting yourself up for an easier time getting loans or lines of credit later on. Having a good credit score means you can qualify for loans or lines of credit when you most need them.
Why Choose Zil Money for Paying by Credit Card?
While paying by credit card is helpful, Zil Money takes it a step further. Here’s why Zil Money is the perfect tool to manage your seasonal cash flow:
1. Multiple Payment Options
With Zil Money, you can use your credit card to pay vendors, suppliers, and even employees. Whether your vendor accepts credit cards or not, Zil Money gives you the flexibility to pay however they prefer—whether it’s ACH, wire transfers, or even checks—funded by your credit card.
2. Instant Payments
Time is money. With Zil Money, payments are processed quickly, so you don’t have to wait around for days to get things done. You can make urgent payments and keep your business on track without delays.
3. Easy Integration with Accounting Software
Tracking payments doesn’t have to be a headache. Zil Money integrates with top accounting software, making it easier to keep track of all your credit card transactions and business expenses. It simplifies bookkeeping and ensures you never miss a payment.
Pay by Credit Card to Keep Your Business Running Smoothly
When cash flow slows down, paying by credit card is the solution that helps you stay in control. With Zil Money, you can make payments without worrying about timing issues, high fees, or delays. You’ll earn rewards on your business expenses, get more time to pay, and keep your business running smoothly during off-peak seasons.
So, if you’re looking for a simple, reliable way to manage seasonal cash flow, Zil Money has got you covered. Start using Zil Money today to take advantage of the flexibility and benefits of paying by credit card—and keep your business moving forward no matter what season it is.
