Summer is still the best time to prep for Q4—but this year, margins are tighter, competition is tougher, and merchants are seeking capital earlier. Brokers who act now will own the biggest wins.
Black Friday and Cyber Monday are around the corner. Q4 is make-or-break for merchants, and you can be the partner who positions them for success.
Why Brokers Should Care About Q4 Prep
Holiday retail sales hit a record $994B in 2024 (+4% YoY). Online sales alone climbed 8.6% to $297B. Source: NRF
Merchants who secure capital early can:
- Stock inventory before demand spikes
- Ramp marketing before ad costs soar
- Upgrade systems and staffing ahead of the surge
2025 Holiday Spending Trends
Holiday spending is shifting fast:
- Pullback: Consumers plan to spend 5% less this season—the first decline since 2020. Gen Z is trimming by 23%. Source: Axios / Reuters
- Gift Budgets Cut: Expected spend per person drops 11% (from $814 to $721). Source: Reuters
- Early Planning: Over half of holiday orders were placed by May, with some merchants delaying shipments amid trade uncertainty.
- Strategic Spending: 82% will cut back on essentials to preserve funds for gifts and traditions. Nearly half will research in one channel but purchase in another. Deloitte
What’s Different This Year?
Stacked MCA payments are squeezing merchants harder than ever, draining margins right before peak season.
Reverse Consolidation is a game-changer. One streamlined solution can cut remittances by up to 50%, freeing cash for:
- Inventory
- Marketing
- Seasonal staffing
🔑 Key Recommendations for Brokers
- Plan for cautious merchants: Expect more requests for capital to stabilize cash flow.
- Fund early: With 50% of orders placed by May, brokers who act fast set merchants up to compete.
- Stop stacking: Guide merchants into Reverse Consolidation to reduce strain and protect cash flow.
- Support Gen Z–focused merchants: With budgets down 23%, sharper promotions—and broker-backed funding—will be key.
🤝 Why Trust Matters More Than Ever
With new state regulations rolling out, transparency isn’t optional—it’s your competitive edge. Merchants want funding partners who deliver clear terms, fair practices, and compliance at every step.
In today’s market, trust is the currency that drives long-term relationships and repeat deals.
🧱 Where Nexi Stands
At Nexi, we build trust into every deal:
✅ Transparent, plain-language terms
✅ Reverse Consolidation weekly purchase program to simplify stacked MCA remittances
✅ Compliance-first approach that keeps brokers protected and positioned as true partners
Bottom Line
Q4 success starts now—and you’re the catalyst.
Help your merchants turn holiday planning into holiday performance.
Ready to win Q4 with Nexi?
👉 Let’s talk.
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