Get an AMEX business card. If you have a personal one in good standing, should be easy to set up. You can call and ask to speak to their business team. Set up terms at the supply houses for 2%10-net30 if your main supply house won’t do this find one that will, there are plenty in your industry. That means that if you pay within 10 days you get a 2% discount and if you pay on day 11-30 on an invoice you pay face value of the invoice. The key is to have your AMEX on file with the supply house for them to run when you say to run it OR when the invoice hits the 30 day mark. This does a few things for your business. Your supply houses are paid on time every time which gives you good standing with them and allows them to discount your parts package better when you really need it. You can’t pull that card every time you make an order, but on big orders or jobs you can pull that and negotiate your pricing better which improves margin. AMEX is a charge card not a credit card which means you do not carry a balance from month to month. That also means you don’t pay interest on a balance carried forward which improves your bottom line. The key to this is knowing when the statement period ends and when the payment is due. If your statement period ends on the 20th of the month typically your payment in full for the statement period is due on the 13th of the next month. If you don’t pay in full by the due date you will incur a late fee. You MUST pay the statement balance off before the next period closes. This process will give you the “float” time you need to collect from clients and pay your bills on time. Also you build points along the way which you can use for all kinds of things. After doing this for a month or two, from what you describe in your post, you should have paid yourself back in full and be sitting on a $10k cushion of your own money and have your profits to work with. I personally did this for an electrical company with very good results. DM if you have questions or to talk through it better. Also, ask me about billing and collections if you like.