Bridg Team
Why settlement timing steals your breath — and why a little “breathing room” matters
Saturday night, your promotion pops and the sales graph climbs fast.
By Monday morning, Slack is full of: “Can we place another PO?” “Do we have budget for raw materials up front?”
The cash balance barely moves — because settlements land two or three months later.
This isn’t anyone’s mistake or an edge case. In large retail, pharma/wholesale, marketplaces, and TV-shopping channels, **60–90 days — and sometimes longer — **payment cycles are a common “normal.” When sales rise, that’s great; but inventory, logistics, and COGS go out now while money arrives later, so the faster you grow, the tighter it feels.
What happens in the meantime is familiar: lean on cards, chase short-term credit or factoring, compile piles of PDFs and spreadsheets to “prove” real sales are happening now. Some teams trim POs, others delay launches.
When selling more still feels breathless, that paradox is the problem we want to solve.
The field reality
Sales are waves; settlements are the distant tide
Weekends, promos, seasonality spike sales now. Cash inflows arrive 60–90 days later. The wave hits today; the tide responds much later.Inventory won’t wait
Big channels may require months of coverage/safety stock. When sales jump, so do inventory and pre-spend.Costly stopgaps, missed windows
You can patch the gap, but terms rarely favor you. If production/marketing/launch slip, you miss the golden window that the spike created.
The direction we’re taking
We’re not trying to change anyone’s rules.
Instead, we want the data you already have — across channels/PGs/settlement banks/ERPs — to speak a shared, verifiable “evidence signal.” Replace long explanations with one standardized signal that lets capital partners decide faster.
Start where you are: familiar CSVs, reports, settlement files.
From explanation to signal: transform human-interpreted docs into a standard proof signal.
Careful, incremental trust: add integrity only as needed (multi-party confirmations, batch verification, etc.) — without asking PGs or channels to change rules.
What scenes does that unlock?
Yesterday’s sales become today’s breathing room
Instead of sending dozens of PDFs after a promo weekend, you push one standardized signal:
“This much settlement-backed revenue has been observed.”
Your capital partner can read and compare immediately.
If the decision time shrinks, your team doesn’t pause POs — you prepare for the next wave.
Why BridgTime
In three lines:
Sales can’t stop just because settlements are slow.
Don’t change the rules — change the proof. (explanations → signals)
That creates time to breathe. (faster decisions, steadier ops)
We’re not selling a financial product — we’re building a trustworthy “language of evidence.” When that language travels, the operating timetable changes.
Build with us
We’re assembling an early cohort of merchants/suppliers, capital partners, and data/system partners. If this problem is yours, start light with a pilot.
Notice: BridgTime does not sell or broker financial products.
We focus on turning settlement data into verifiable evidence signals. Capital decisions remain with each partner’s own policies and regulations.
Working hypotheses from our planning—signals we track, approaches we’re exploring.
