Cicis Working Capital: Greg Smith’s Expansion Plans

Daylit case study: the experiences and results below are self-reported by Daylit and the featured business. They describe the original case, not a performance guarantee or a current financing offer.

Planning a Pizza Empire

Greg Smith, the proud owner of three Cicis franchises in the Central Texas region, has been rocking and rolling.

Like many of his fellow Cicis franchisees, Greg has been watching sales steadily increase across his three locations. He’s been pleased to welcome in new customers and welcome back the regulars even more - so much so that he believes it may be time to upgrade. The first step was equipment. Greg, along with fellow Cicis owners, began by updating their Point of Sale set-up to the Plum POS bundle. At checkout, Smith came across the option to PayLater with Daylit.

Daylit’s B2B PayLater option was built to help small and medium sized businesses spread the upfront cost of certain purchases over several weeks. Greg followed the four step application and, in under two minutes, he was approved to pay his $4,616 bill in 5, 10, or 20 smaller installments. He opted for 10 weekly payments of just $470.

Once completed, Greg was directed to Daylit’s customer portal. He was pleased to find that, much to his surprise, his total credit available was $55,600 - far more than the small POS purchase. Since Greg’s business was in good shape and he had been managing his funds appropriately, Daylit was able to automatically qualify him for more capital without the need for an additional application. His credit facility was already available for use! Greg plans to use this line of credit to begin upgrading his stores and is working with the Daylit credit team on additional capital for his arcade renovations and acquisition of new locations.

“The experience with Daylit has been really great. The PayLater application was fast and simple and the rates were fair. The fact I can use Daylit for even more equipment and renovation is awesome, too. We're looking for a partner that can take us to the next level and it seems like we've found it.”

Daylit is happy to provide instant, quality capital solutions for Cicis Pizza and many more franchise networks.

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Further reading

Cash forecasts need operational input and a clear view of future receipts and payments. See EY’s analysis.

Related guidance: Cicis Franchise Financing with Daylit and PlumPOS; Retail Working Capital: MJ Highway’s PayLater Story.

References

• EY: Cash forecasting. Read September 28, 2026.