The Challenge
Juvenon, a rapidly growing CPG supplement brand scaling at 50% year-over-year, faced a common but critical challenge: how to fund aggressive growth while keeping interest costs low. Their expansion required heavy investment in inventory, advertising, and operations, placing constant pressure on working capital.
To stay nimble, Juvenon leveraged a stack of business credit cards for short-term financing. But managing multiple cards with varying billing cycles, due dates, and balances quickly became complex and risky, threatening cashflow continuity and increasing the chance of avoidable interest charges.
The Solution
Tapper, by GreenSpark stepped in to turn Juvenon’s credit stack into a $3M FREE quasi-revolver, strategically sequencing card usage to maximize free capital (ie. float) and eliminate interest. Because these cards were unsecured and behaved more like charge cards (when paid off in the right order), they didn’t crowd out Juvenon’s ability to secure additional financing as well. Yes, the founder was very finance-savvy and could’ve pulled it off, but would’ve risked missing due dates or a sequence. Plus who wants to sit around all day managing this, so why not let us put it on autopilot!
As a result, Juvenon also secured a senior line of credit from their community bank, with favorable advance rates and low interest, further expanding their liquidity pool. Lenders viewed the credit card usage as non-aggressive and low-risk, enabling even broader access to fintech lending options when needed.
All of this was orchestrated through Tapper, by GreenSpark, which automated the heavy lifting using AI, forecasting cashflow, optimizing payment timing, and running stress scenarios in real-time. The result? Minimal manual effort required from Juvenon’s team, with maximum financial leverage.
Tapper (by GreenSpark) enabled Juvenon to:
- Precisely time card payments for maximum float
- Maintain liquidity without holding excess idle cash
- Confidently manage cash reserves while optimizing credit utilization
The Results
- $3M in interest-free credit card float capacity
- $540,000 in annualized interest savings
- Expanded credit access without compromising future borrowing
- Greater cashflow control
“Its so powerful to see all the details and allows me to easily control” – Nathan Hamilton, Founder & CEO | Juvenon