Growth Funding – Don't Let Cash Run Out During Acceleration
Growth is exciting, but it burns cash. When order books fill up, you need more staff, inventory, and marketing before customers pay their invoices.
Growth requires front-loading. Too many growth stories end because working capital runs out just when you need to hit the gas. Trusty is your AI CFO that calculates the price of growth. We analyze how much "runway" you need for hiring, internationalization, or acquisitions.
Identify growth bottlenecks
Different growth phases require completely different financing instruments. The wrong tool at the wrong stage can be costly.
1. Rapid Scaling (Scale-up)
Demand explodes. You immediately need more inventory, production capacity, or server space.
Challenge: Cash doesn't accumulate from sales fast enough to cover purchase invoices.
Solution: Growth financing or flexible credit line.
2. Investment in Talent (Staff & Marketing)
You hire 5 new salespeople or launch a major marketing campaign. Costs start from day 1, but returns come later.
Challenge: Salaries and marketing invoices are due immediately, customers pay later.
Solution: Short-term working capital loan.
3. Internationalization & Export
The domestic market is under control, now looking abroad. This requires market research, lawyers, and local presence.
Challenge: More risks and longer payback period.
Solution: Internationalization loan or export financing (e.g., with Finnvera guarantees).
Trusty's solutions for growth companies
We don't offer a "one-size loan", but build a financing package according to your growth strategy.
Strategic Growth Financing (€50k – €500k)
Designed for long-term growth, such as acquisitions, opening new locations, or setting up production lines.
Nature: Long-term loan (2–7 years).
Flexibility: Possibility of repayment holidays at the start, so the investment has time to start generating returns.
Working Capital for Growth (€25k – €200k)
"Staff and marketing loan". Quick financing to bridge the cash gap caused by recruitment and marketing.
Nature: Short-term (6–24 months).
Usage: Inventory growth, recruitment costs, seasonal marketing.
Export Financing
When trading across borders, risks increase.
Solution: We finance export receivables and help protect credit risk from foreign customers.
AI watches your back
In growth, intuition is good, but data is better. Trusty helps you see behind the numbers.
- Burn Rate: How fast is growth burning current cash?
- ROI: Does a new salesperson generate more than the financing interest costs?
- Timing: Is now the right time to apply for a loan or should you wait until next quarter?