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Financial Firepower: The Monetary Muscle of Voluntary Trading Groups for Independent Retailers

When the conversation turns to the battleground of retail, independent building and hardware stores might seem outgunned by the financial firepower of corporate chains. However, through the collective strength of a voluntary trading group, these independents can access an arsenal of financial solutions and preferential deals that level the fiscal field and often tip it in their favour. POWER BUILD offer a variety of “Unfair Advantage” in the banking and financial sector of which some of them are included below…

Preferential Banking: The Keystone of Commerce

One of the most significant advantages of membership within a voluntary trading group is the ability to secure preferential banking deals. Banks, recognising the aggregated power of these groups, are often willing to negotiate better rates and fees for their services. For an independent retailer, this can mean lower transaction costs, more favourable interest rates, and a suite of banking services tailored to their unique needs, providing a much-needed cash flow cushion.

POS Systems: The Pulse of Retail Efficiency

In retail, efficiency is paramount, and nowhere is this more critical than at the point of sale (POS). Voluntary trading groups frequently negotiate deals on state-of-the-art POS systems that streamline transactions and inventory management. This technology, often out of reach for independents due to cost, becomes attainable and affordable. The resulting efficiency not only improves the customer experience but also frees up resources that can be reinvested into other areas of the business.

Loans with Less Load

Access to capital is another arena where voluntary trading groups flex their collective muscle. With the backing of the group, members can secure loans with more attractive terms. This aspect is crucial for independents looking to expand, renovate, or simply manage the ebb and flow of business. Such financial clout can make the difference between an opportunity seized or missed.

Bridging Finance: Spanning the Cash Flow Gap

The construction and building materials sector is particularly prone to the ebbs and flows of seasonal demand, which can create cash flow challenges. Bridging finance, as part of a group-negotiated financial package, offers a lifeline, providing the funds to bridge the gap between outgoing costs and incoming revenues. This financial flexibility ensures that independents can maintain their operations smoothly without the cash flow hiccups that can stall business momentum. 

Financial Solutions: Beyond the Basics

Voluntary trading groups don’t just stop at negotiating favourable loan and POS terms; they explore the full spectrum of financial solutions. This might include merchant services with reduced processing fees, improved credit card rates, or even specialised insurance products designed for the unique risks of the building materials and hardware sector. Such comprehensive financial solutions give members a robust buffer against the unpredictability of retail.

The Aggregate Advantage

The aggregate financial benefits for members of a voluntary trading group can be substantial. Savings and improved terms across various financial services add up, resulting in a more robust bottom line. When independents have the same financial tools and advantages as the big players, they can focus on what they do best: providing quality service and expertise to their customers.


For independent retailers in the building materials and hardware sector, joining a voluntary trading group is akin to entering a financial fellowship that provides security, stability, and growth opportunities. It equips them with monetary advantages that rival, and often surpass, those of corporate chains. With the backing of a trading group, independents can harness these financial solutions to carve out a competitive edge, ensuring they not only survive but thrive in the retail landscape. It’s a strategic move that offers more than just monetary benefits; it’s about securing a future where independent businesses can continue to provide value, variety, and a personal touch that no corporate chain can replicate.


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