Case Studies
Marina's Italian Kitchen - Restaurant Group Expansion
From 2 locations to 5 locations in 18 months
Challenge: Successful two-location restaurant owner wanted to expand to five locations across the metro area, but needed $150K for buildout, equipment, and working capital. Traditional banks required 90+ days of underwriting for this amount.
Solution: Stackline approved a $150K Business Term Loan in 3 weeks. Terms were structured around seasonal restaurant cash flow, with lower payments during slower months and higher payments during peak seasons. Additional $30K working capital line for inventory management.
Result: Opened 3 new locations within 12 months. Revenue increased 240%. Paid off initial loan 8 months early with cash generated from new locations. Now in discussion for Series B funding to expand to 10+ locations.
Cornerstone Construction & Remodeling
From project-to-project survival to thriving with consistent margin improvement
Challenge: Growing construction company was stretched thin managing cash flow between projects. They had $400K in work booked over the next 6 months but couldn't afford upfront material costs. This meant passing on smaller projects or delaying larger ones.
Solution: Stackline provided $120K in Invoice & AR Financing. As completed work was invoiced, they could immediately draw funding to cover next projects' material costs. This eliminated the traditional 30-45 day wait for customer payments.
Result: Completed 35% more projects in 12 months. Operating margin improved from 12% to 18% (less bridge financing needed). Built from 4 employees to 8 employees. Owner went from stressed cash flow manager to focused business strategist.
Elite Auto Care - Equipment Investment & Growth
From 2 service bays to 8 bays with expanded revenue per technician
Challenge: Auto repair shop had consistent business and waiting lists, but couldn't scale. They only had 2 service bays and couldn't afford the $80K in equipment needed to expand to 4 more bays. Would have taken 3+ years to save.
Solution: Stackline provided $80K in Equipment Financing with 5-year terms. Monthly payments ($1,600) were covered by new revenue from expanded capacity. Financed at 9.5% APR with no down payment required.
Result: Expanded to 8 service bays in 6 months. Revenue per month increased from $35K to $62K. Hired 4 additional technicians. Now at 95%+ capacity utilization. Owner is planning a second location.
Coastal Medical Group - Healthcare Practice Growth
From underutilized facility to 3 additional practitioners generating $400K+ annual revenue
Challenge: Growing medical practice had a large facility with unused treatment rooms and strong patient demand, but couldn't afford to hire additional practitioners. Equipment and credentialing costs would have required 18+ months of capital building.
Solution: Stackline approved $200K Working Capital Loan. Used for medical equipment, credentialing costs, and hiring salaries for 3 months while new practitioners ramped up. Industry-specific underwriting recognized strong patient demand as collateral strength.
Result: Onboarded 3 new practitioners in 4 months. Generated $420K+ in additional annual revenue within 12 months. Practice profitability increased 65%. Loan paid off in 14 months from increased revenue.
Northwest Trucking Solutions - Fleet Expansion
From 3 trucks to 12 trucks with $2.1M in annual revenue
Challenge: Owner-operator with 3 trucks had demand to grow but knew traditional truck financing required 20-30% down payment ($90K+). Banks also were skeptical of transportation businesses.
Solution: Stackline provided $180K for vehicle purchases with 10% down, structured with flexible payment terms that matched seasonal cash flow peaks. Stackline's transportation industry expertise meant faster underwriting and better terms.
Result: Expanded from 3 to 12 trucks in 18 months. Annual revenue grew from $900K to $2.1M. Now operating at full capacity with waiting list of customers. Owner upgraded from 1-truck operator to fleet manager overseeing team.
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