Interviews
How Stubble & Co saves 1.5 hours a week on payment processes
Easy access to funding and automated payment operations give Stubble & Co valuable time and flexibility to fuel growth.
Easy access to funding and automated payment operations give Stubble & Co valuable time and flexibility to fuel growth.
Easy access to funding and automated payment operations give Stubble & Co valuable time and flexibility to fuel growth.
Mimo
Team
Stubble & Co is a premium UK-based bag brand known for its stylish yet ultra-durable backpacks and accessories, crafted for both everyday adventures and travel. What started as a direct-to-consumer (DTC) brand has quickly evolved into a business growing across retail and B2B channels, all while staying true to its commitment to quality and sustainability.
Scaling a business like this isn’t just about great design. Behind the scenes, it means navigating complex supply chains, managing stock across continents, and - crucially - keeping cash flow in check.
Simplifying payments with Mimo
Before Mimo, the Stubble & Co team was stuck in a manual maze of downloading payment runs from Xero, tracking everything in Excel, keying in bank details, and manually reconciling payments each week. Not exactly the most exciting use of their time.
That changed with Mimo.
“The big thing for us was being able to do a payment run in one place, make one transaction, and have it reconcile automatically in Xero. It’s just a massive time saver.” - Jimmy Long, Head of Finance, Stubble & Co
With Mimo’s Xero integration, their accounts payable process now runs like clockwork. No more spreadsheets, no more multi-step workflows. Just one smooth process, from bills to bank.
“We’re saving 1.5 hours a week on payments alone, cutting the weekly process from 2 hours to 30 minutes, including payroll at month-end.”
Flex in action: optional funding when it matters
Payments were the initial draw, but Stubble & Co quickly found value in Mimo Flex, which lets them extend payment terms selectively - ideal for month-end outflows, fronting stock orders, and covering VAT or unexpected spend without opening a separate facility or switching platforms.
“It wasn’t the primary reason we started using Mimo, but having payments and financing combined in one place just made life so much easier. It means we’re not juggling multiple systems. We’ve got everything we need in one platform.”
Flex complements their financing mix. A traditional bank facility may offer a lower headline rate but comes with covenants and prescribed uses that limit flexibility. Many “flexible” alternatives in the market can overshoot actual needs and drive up cost. Flex provides a right-sized, pay-only-for-what-you-use line they can tap when the cash plan needs breathing room - easy to draw in peak season and just as easy to stand down in quieter months.
What’s next?
The team’s ambitions for 2025: continued growth across DTC, retail, and wholesale, plus deeper international expansion in Europe and the US. And while the brand scales, the team remains lean, which means every tool they use has to pull its weight. At Mimo, we’re proud to be helping them do just that.
Want to save time on payments while unlocking access to flexible financing? Learn more here.
Stubble & Co is a premium UK-based bag brand known for its stylish yet ultra-durable backpacks and accessories, crafted for both everyday adventures and travel. What started as a direct-to-consumer (DTC) brand has quickly evolved into a business growing across retail and B2B channels, all while staying true to its commitment to quality and sustainability.
Scaling a business like this isn’t just about great design. Behind the scenes, it means navigating complex supply chains, managing stock across continents, and - crucially - keeping cash flow in check.
Simplifying payments with Mimo
Before Mimo, the Stubble & Co team was stuck in a manual maze of downloading payment runs from Xero, tracking everything in Excel, keying in bank details, and manually reconciling payments each week. Not exactly the most exciting use of their time.
That changed with Mimo.
“The big thing for us was being able to do a payment run in one place, make one transaction, and have it reconcile automatically in Xero. It’s just a massive time saver.” - Jimmy Long, Head of Finance, Stubble & Co
With Mimo’s Xero integration, their accounts payable process now runs like clockwork. No more spreadsheets, no more multi-step workflows. Just one smooth process, from bills to bank.
“We’re saving 1.5 hours a week on payments alone, cutting the weekly process from 2 hours to 30 minutes, including payroll at month-end.”
Flex in action: optional funding when it matters
Payments were the initial draw, but Stubble & Co quickly found value in Mimo Flex, which lets them extend payment terms selectively - ideal for month-end outflows, fronting stock orders, and covering VAT or unexpected spend without opening a separate facility or switching platforms.
“It wasn’t the primary reason we started using Mimo, but having payments and financing combined in one place just made life so much easier. It means we’re not juggling multiple systems. We’ve got everything we need in one platform.”
Flex complements their financing mix. A traditional bank facility may offer a lower headline rate but comes with covenants and prescribed uses that limit flexibility. Many “flexible” alternatives in the market can overshoot actual needs and drive up cost. Flex provides a right-sized, pay-only-for-what-you-use line they can tap when the cash plan needs breathing room - easy to draw in peak season and just as easy to stand down in quieter months.
What’s next?
The team’s ambitions for 2025: continued growth across DTC, retail, and wholesale, plus deeper international expansion in Europe and the US. And while the brand scales, the team remains lean, which means every tool they use has to pull its weight. At Mimo, we’re proud to be helping them do just that.
Want to save time on payments while unlocking access to flexible financing? Learn more here.
Stubble & Co is a premium UK-based bag brand known for its stylish yet ultra-durable backpacks and accessories, crafted for both everyday adventures and travel. What started as a direct-to-consumer (DTC) brand has quickly evolved into a business growing across retail and B2B channels, all while staying true to its commitment to quality and sustainability.
Scaling a business like this isn’t just about great design. Behind the scenes, it means navigating complex supply chains, managing stock across continents, and - crucially - keeping cash flow in check.
Simplifying payments with Mimo
Before Mimo, the Stubble & Co team was stuck in a manual maze of downloading payment runs from Xero, tracking everything in Excel, keying in bank details, and manually reconciling payments each week. Not exactly the most exciting use of their time.
That changed with Mimo.
“The big thing for us was being able to do a payment run in one place, make one transaction, and have it reconcile automatically in Xero. It’s just a massive time saver.” - Jimmy Long, Head of Finance, Stubble & Co
With Mimo’s Xero integration, their accounts payable process now runs like clockwork. No more spreadsheets, no more multi-step workflows. Just one smooth process, from bills to bank.
“We’re saving 1.5 hours a week on payments alone, cutting the weekly process from 2 hours to 30 minutes, including payroll at month-end.”
Flex in action: optional funding when it matters
Payments were the initial draw, but Stubble & Co quickly found value in Mimo Flex, which lets them extend payment terms selectively - ideal for month-end outflows, fronting stock orders, and covering VAT or unexpected spend without opening a separate facility or switching platforms.
“It wasn’t the primary reason we started using Mimo, but having payments and financing combined in one place just made life so much easier. It means we’re not juggling multiple systems. We’ve got everything we need in one platform.”
Flex complements their financing mix. A traditional bank facility may offer a lower headline rate but comes with covenants and prescribed uses that limit flexibility. Many “flexible” alternatives in the market can overshoot actual needs and drive up cost. Flex provides a right-sized, pay-only-for-what-you-use line they can tap when the cash plan needs breathing room - easy to draw in peak season and just as easy to stand down in quieter months.
What’s next?
The team’s ambitions for 2025: continued growth across DTC, retail, and wholesale, plus deeper international expansion in Europe and the US. And while the brand scales, the team remains lean, which means every tool they use has to pull its weight. At Mimo, we’re proud to be helping them do just that.
Want to save time on payments while unlocking access to flexible financing? Learn more here.