How to stay liquid through spooky slowdowns. Use a small working-capital cushion and a line of credit to smooth late-October dips and ramp for early November promotions.

Pre-qualifying now beats rushing during peak when lenders are busiest and terms can tighten. 

A line of credit gives you flexible access so you draw only what you need-covering payroll, inventory top-offs, or short ad sprints-while interest accrues only on the amount you use. 

Pair it with a modest working-capital loan to finance fixed, high-ROI moves like bulk buys of proven SKUs, seasonal staffing, or packaging. Plan spend in short, intentional bursts: launch targeted ads a week before key dates, restock bestsellers in stages, and reserve a buffer for fulfillment and returns. Negotiate vendor discounts by buying inplanned batches, not last-minute, and align repayment timing to expected sell-through so cash returns before payments peak. 

Finally, forecast eight to ten weeks ahead and decide which tool fits each need-LOC for variable, term working capital for defined projects-so you glide through the spooky season and hit November ready to convert traffic into profit.

Takeaways:

- Secure a LOC before you need it

- Batch inventory buys to hit vendor discounts

- Schedule promo cash needs 2-3 weeks out

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