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A company operating a Żabka store needed capital to prepare for the next stage of growth without affecting the liquidity of its existing store. In retail, expansion costs appear before the first revenue from a new location, so PaveNow provided PLN 50,000 in financing for 12 months, matched to the company’s current turnover and the real scope of planned expenses.
The client was a retail business operating a Żabka store under a franchise model. The company had been active for more than two years and was based on daily sales of essential products. This means the business was not testing an idea from scratch. It already operated an active store, had ongoing turnover and needed capital for the next step of development.
The purpose of the financing was to prepare the next stage of business development. In practice, this meant covering costs that appear before a new location or the next stage of operations starts generating revenue.
In retail, this is a particularly demanding moment. The business needs to secure funds for organizational work, location preparation, equipment, inventory, fees and day-to-day operating costs. The expenses appear upfront, while the return comes only after sales begin.
The financing was therefore not an emergency measure. It was intended to help the company move through the investment stage without putting too much pressure on the cash generated by the existing store.
The challenge was to select an amount that would genuinely support growth without creating an excessive monthly burden. In this case, PaveNow did not aim to maximize the financing amount. What mattered more was matching the amount to the scale of the plan, the specific stage of expansion, current turnover and safe repayment capacity.
PaveNow provided PLN 50,000 in growth financing for a period of 12 months. Repayment was based on revenue from the company’s day-to-day operations. In practice, the financing was linked to an existing business, not only to the future potential of a new location. This matters in retail expansion: before the next stage starts generating revenue, the company still needs to maintain day-to-day liquidity and cover its current obligations.
The financing helped the company support the preparation of the next stage of development without freezing all cash from day-to-day operations. This is especially important in retail, where the business needs to finance current store operations, deliveries, fees, staff and planned expansion costs at the same time.
With the additional funds, the client could maintain greater financial flexibility during the transition period, when expenses appear before revenue from the next stage of operations.
The key outcome was not only obtaining capital, but maintaining the balance between growth and day-to-day liquidity.
This case shows that growth financing in retail does not always need to mean a high amount. Sometimes, the key is to secure smaller, well-matched capital that covers a specific stage of expansion without putting unnecessary pressure on the business.
For Żabka franchisees, retail store operators and other trading businesses, one point is especially important: development costs appear before a new location starts earning. Financing can help bridge this stage if it is matched to the actual purpose, current revenue and repayment capacity.