“Got through the quiet winter without losing my crew.”
Cam's landscaping business in Hobart booms from spring through autumn — full diary, big builds, a skilled crew he's spent years training up. Then a Tasmanian winter arrives and the work slows to a trickle. Every year he faces the same dilemma: pay a crew through a quiet stretch, or let good people go and scramble to rehire when spring hits.
Letting them go was the easy financial answer and the worst business one. The best landscapers don't sit around waiting for him in September; they take other jobs. Losing them meant starting half the season behind. But carrying wages through winter on his own cash was a stretch too far some years.
The turning point
Cam came across Zupo and did the application one rainy afternoon between rare jobs. It didn't touch his credit score. Instead of fixating on the thin winter figures, Zupo looked at the full-year picture — the strong spring-to-autumn trading, the deposits already locked in for the next season.
Zupo set up cash-flow funding to bridge the quiet months, with repayments weighted toward the busy season when the money was actually coming in.
They looked at my whole year, not just the worst three months of it.
The outcome
Cam kept his whole crew through the winter for the first time. When spring came, he hit the ground running — no rehiring, no retraining, no slow start. The work he'd lined up over winter meant the busy season started bigger than ever, and the funding paid down quickly once the diary filled.
See where you stand, no credit-score hit
One simple application, an open-minded look, and a real answer in hours.
Apply nowWhere they are now
Cam's crew is settled and his spring season started stronger than any before it. If a predictable quiet patch keeps costing you good people, cash-flow funding can bridge it — see your options.
