Navigating the “Move-In” Cash Crunch
Every small business owner knows that growth isn’t always linear. Sometimes, the timing of a new office doesn’t perfectly align with your accounts receivable.
When you move into a new space, you often face the “Double Deposit” dilemma: paying the first month’s rent and deposit on your new office before you’ve even received the refund from your old one. Whether you are a new business getting off the ground or an established firm moving to a better location, we provide tools to help you manage that transition without draining your operating capital.
Strategic Rent Deferral Options
We offer multiple paths to help you smooth out a temporary cash flow squeeze or transition cost.
Buy Now, Pay Later (BNPL) Solutions
One option we provide is utilizing third-party Buy Now, Pay Later (BNPL) services, such as PayPal, for significant expenses like move-in costs or temporary rent coverage.
-
How It Works
If you’d like to use a BNPL option for your move-in costs or a specific month of rent, simply let your Community Manager know. We will send you an electronic invoice that includes the payment amount plus a 3.5% processing fee. -
The Payment Bridge
You select the flexible payment or financing option at checkout. Once approved by the provider, Office Ours is paid in full, and you make your agreed-upon payments directly to them based on your lending terms. -
Flexible Repayment
Third-party providers constantly update their plans. In the past, they have frequently provided promotional repayment options at 0% interest for several weeks or months, as well as extended payment terms with interest. We always recommend checking their portal during checkout to see what specific plans are available to your business today.
Business Credit Cards
Using a standard credit card through our member portal is another highly effective tool for deferring your rent payments.
-
Manage Your Float
Putting your rent on a credit card allows you to float the expense safely to your next billing cycle, giving you an automatic 30 days of breathing room while you wait for client invoices to clear. -
Introductory Rates
Many modern business credit cards offer 0% or low introductory APR periods on new purchases for the first year. If your business utilizes one of these cards, paying your rent through our portal is a smart way to get interest-free runway while you build momentum. (A 3.5% processing fee applies).
The Fundamentals of Business Credit
At Office Ours, we want our tenants to be financially healthy for the long haul. While deferral tools are great for growth, we always encourage our members to keep their “financial house” in order:
Protect Your Personal Score
Keep it Segregated
Professional Bookkeeping
Is Deferral Right for You?
This program isn’t about getting into deep debt; it’s about strategic timing. If a temporary cash flow bridge is what stands between you and your next major contract or successful office move, we are here to help make that bridge possible.
Want to discuss our flexible move-in options?
Our local team understands the realities of small business accounting. Give us a call or drop us a line to discuss how we can help you stay nimble.