Young Founder Secures Bank Line

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Nº 007

Young Founder Secures Bank Line

Financing Breakdown

Risks

Founder would remain a solo operator, unable to hire and build a meaningful team.

Scenario

Scaling

Industry |

Commodity Trading

Key Challenges

Needed larger line to hire traders

Current scale did not justify size

Solo operator at request time

Loan Type

Line of Credit

Outcomes

Team Built

Senior traders hired, growing the team and speeding up business.

Operations Expanded

New accounts won and market share grew as trade volumes scaled.

Liquidity Secured

US and Canadian lines, receivables-backed, ensured ample, always-available trading capital access.

Lender Type

Private Credit

Bank

Result |

Growth Unlocked

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Overview

Young Founder Secures Bank Line

Diamond Willow structured a dual-currency operating line that unlocked hiring and expansion.

Our client supplies high-quality lumber across North America, pairing product know-how with reliable procurement, logistics, and customer service. The owner grew up watching his father and decided to follow the same footsteps and launch his own company in 2018, focusing on supplying SPF and Douglas-fir for manufacturers and retailers. The business required a larger operating line to facilitate the hiring of additional traders, but as a one-person shop the size was hard to justify. Referred by private lenders, the business came to Diamond Willow.

We quickly understood the business and its financing needs, used insured receivables and inventory to secure the deal, and created a structure with an international lender, materially reducing the business's cash conversion cycle.

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The Challenges

Increased commitment required to hire veteran traders.
Existing scale did not support a larger facility.
One-person operation at the time of request.

Risk Mitigants

Highly experienced founder.
Personal guarantee from the owner.
A/R insured with respected counterparties; line margined on A/R as traders onboarded.

The Outcome

With the new dual-currency line, cash went where it mattered most. The owner assembled a seasoned trading desk, growing from a solo operator to a full team. Revenue ramped materially and new accounts were added across the U.S. and Canada. Weekly margining liquidity needs were met by the lender, allowing the business to scale without the concern of capital availability.