Stock, staff, and marketing all come due before holiday sales land. Built for established businesses doing $60K+ a month gearing up for Q4.
Get ready for Q4Holiday Season
Holiday capital covers the gap between buying and selling. Through our partner, Merchant Fund Express, you see the full cost before the season starts.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes. Qualified businesses can be funded in as little as 24 hours, ahead of the busiest weeks.
FICO 500+ considered with a soft pull first. Your year-round revenue carries weight in the review.
Your offer shows the total repayment amount, so you can price holiday inventory with the full cost in view.
See the repayment schedule before you accept, and plan it against both peak and post-holiday sales.
Holiday revenue arrives in November and December. The costs arrive earlier. Inventory orders go in during late summer and early fall, seasonal staff need to be hired and trained in October, and ad budgets ramp before shoppers start buying. For a growing business, that means spending a large share of your best quarter's revenue weeks before you see it.
Funding bridges that window, so you can place the order you actually need rather than the one your current balance allows.
| When | Typical spend | Funding angle |
|---|---|---|
| Sept to early Oct | Inventory orders, deposits to suppliers | Inventory funding or working capital |
| October | Seasonal hiring and training | Payroll funding |
| Nov to Dec | Restocking fast sellers, extra shifts | Seasonal line of credit |
| January | Slower sales as repayment continues | Plan for it now |
Your best guide is your own history. For illustration only: a gift retailer that deposited $95,000 last October and $210,000 last December knows roughly how much inventory moved and when. If the plan is to grow 15 percent, the inventory buy grows with it, and the funding request can be tied to that specific gap. A request built from real numbers is easier to evaluate and easier to repay.
Remember the January dip. If repayment is a share of sales, payments ease when sales do. If it is a fixed schedule, make sure your post-holiday cash covers it.
The best time to apply is before you need the money. The application takes about 5 minutes, starts with a soft credit pull, and needs about three months of business bank statements. FICO 500+ is considered, and qualified businesses can be funded in as little as 24 hours through our partner Merchant Fund Express. Our program serves established businesses doing $60K or more a month. Apply now and lock in your plan while suppliers still have stock.
Ideally in late summer or early fall, before inventory and hiring costs hit. Applying early gives you more choice of suppliers and timing.
Funders read about three months of statements in context. If your business is seasonal, explain the pattern; a known dip reads differently from an unexplained one.
Yes. Holiday parties, gift card sales, and extra shifts create the same timing gap. See our industry pages for specifics.
Funding and credit are separate. Do not count on funding to change your score; work on credit on its own track if that is a goal.
Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
Example uses for illustration only.
A little prep before the season makes your file easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding