The Challenge
Golden Rain Nursery, a wholesale supplier serving landscapers, developers, and municipalities, was preparing for a significant seasonal ramp driven by large incoming orders and continued business expansion. To meet demand, the company needed to invest heavily in inventory ahead of peak season.
However, the upfront cost of acquiring plants, trees, and materials—combined with the timing gap before customer payments—created pressure on working capital. Without additional liquidity, the company risked missing peak season opportunities, limiting growth, and falling short on fulfilling high-value orders.
Our Solution
Golden Rain Nursery partnered with EMC Financial to secure a flexible capital solution to support seasonal inventory build and ongoing growth.
EMC structured an $8.5 million revolving facility designed to provide immediate access to working capital without being tied to specific collateral. Instead, the facility was underwritten based on the company’s revenue profile, offering greater flexibility to deploy capital across inventory purchases and operational needs.
The facility required no personal guarantees and was structured to align with the company’s seasonal cash flow cycles, enabling management to efficiently scale inventory ahead of peak demand.
Measured Results
- Achieved approximately 212% year-over-year growth
- Successfully funded seasonal inventory and fulfilled peak demand orders
- Completed strategic acquisitions to support expansion
- Maintained operational continuity through seasonal cycles without liquidity constraints
EMC Advantage
- ✔ Revenue-based underwriting not tied to specific collateral
- ✔ Flexible revolving structure aligned with seasonal cycles
- ✔ No personal guarantees required
- ✔ Ability to support growth, acquisitions, and inventory build simultaneously