Another key consideration could be seasonality Demand is not always straight-line, it could also have periods of highs and lows. In some cases, if you don't have cash available, you either lose a sale or might not be able to pay your employees. The business needs to be able to provide change on-demand. The more cash you have the more that can be stolen in a robbery, although there are several ways to keep the money safe. What else should be considered? Do you consider demand? When you add the wrinkle to the equation, by having a credit line, how do you ensure your collections are timely enough so that you have funds for the cash disbursements that you will need?
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