Introduction
 A growing number of small businesses are facing a silent but crushing threat: cash flow paralysis. As the recent Small Business Financing Insights article outlines, over two-thirds of SMBs are now stuck in what experts call a “cash flow trap.” Delayed payments, stricter supplier terms, and longer inventory cycles are tightening the squeeze—especially in industries like trucking, manufacturing, and construction.

At FPG, we see this challenge daily. But we also see something else: a path forward. It doesn’t involve complicated bank loans or generic products. It’s built on smarter structures, human guidance, and strategic working capital solutions that grow with your business.

Why Cash Flow Problems Are Growing—Even for Profitable Businesses

Let’s face it—profitability doesn’t always mean liquidity. Payment terms are dragging out, especially when SMBs are doing business with large enterprises. The result? Smaller companies are effectively financing their bigger clients’ operations.

In trucking, for example, operators are paid 45-60 days after delivery—while fuel, maintenance, and payroll are due now. That’s not just unfair. It’s unsustainable.

Where Traditional Lending Falls Short

Most banks and lenders weren’t built to solve this. Credit score hurdles. Long paperwork. Impersonal service. Static structures. That’s where the cash flow trap deepens. The need isn’t just for capital—it’s for flexibility, responsiveness, and a partner who understands your business.

The FPG Perspective: Real Solutions for Real Business Challenges

At FPG, we believe working capital financing isn’t just about surviving—it’s about positioning your business to grow. Here’s how we help:

🧩 Smarter Structures

Whether you need to bridge payroll, finance receivables, or scale inventory, we customize working capital solutions around your actual cash conversion cycle—not a generic model.

🤝 Real People, Real Expertise

You’ll work with dedicated finance managers who know your industry, not an AI chatbot or a bank desk.

🚀 Integrated Equipment + Capital

We specialize in combining equipment leasing with working capital in a way that amplifies your growth. Need to buy new trucks and fund the fuel to run them? We make it possible—without straining your reserves.

🔄 Fast, Flexible Access to Capital

With over 10 lending sources and direct in-house funding, we find the structure that fits. And fast—because your business doesn’t have time to wait.

 

What Growth Looks Like When Working Capital Works for You

We’ve seen it time and again: when SMBs unlock just 30–60 more days of liquidity, everything changes. They can stop chasing checks and start chasing growth. They can reinvest in their business, attract better talent, and finally breathe again.

In fact, many of our partners—especially in healthcare, medical aesthetics, and services—have used working capital from FPG to:

  • Purchase consumables, smallwares, and treatment supplies

  • Support payroll while receivables are stretched

  • Bridge seasonal gaps with predictable expense coverage

  • Close deals faster by offering their customers better terms

  • Say “yes” to new opportunities—without stressing the cash flow

When working capital works, it’s not just about staying afloat—it’s about moving forward with confidence.

FPG: Here to Help You Grow

At FPG, we don’t just process financing. We problem-solve with you. We meet you where you are, whether you’re caught in a cash crunch or planning your next phase of expansion. And we get it done with transparency, urgency, and care.

If your business is caught in the working capital trap—it’s time to break out.

Let’s talk about how.

🔗 Ready to talk strategy?

Visit financialpc.com/contact or contact us directly at (603) 696-7076.