The Discount Trap

Offering a discount feels like an easy win, but it can quietly wreck your numbers. If you run on a thirty percent margin and you give away fifteen percent to fix cashflow, you are suddenly working twice as hard just to stand still. Discounting has its place when it is deliberate and planned, but when it is used as a panic button, it often makes things worse, not better. Before you discount, stop and ask yourself one question. How many extra sales would I need just to break even. The answer is usually sobering.

What about in the commercial finance world?
IIn commercial finance there is no such thing as a sale, a deal or a Black Friday discount. What does exist is timing. Quiet periods, especially just before everyone piles back into the office, mean fewer applications and faster, cleaner decisions. If borrowing is on your cards, getting in early can put you at the front of the queue while others are still waiting.

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