Draw when the season demands it, repay as revenue returns, draw again. For established businesses doing $60K+ a month across the year.
See my lineReusable Seasonal Capital
Draw what you need, pay on what you use, and keep the rest ready, through our partner, Merchant Fund Express.
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.
Qualified businesses can be funded in as little as 24 hours, so the line is in place before the busy stretch starts.
About 3 months of statements, no tax returns, and a 5-minute application to get the line set up.
FICO 500+ is considered and it starts with a soft pull, so a seasonal score dip is not the whole story.
Repayment schedule and full costs are laid out in your offer before you accept. No surprise costs after you sign.
A one-time lump sum solves one season. A line of credit can be there for the next one too. With a business line of credit, you are given a limit and draw only what you need, when you need it. As you repay, the available balance generally becomes usable again. For a ski shop, a tax preparer, a pool service, or a holiday retailer, that pattern matches the year much better than a single advance.
For illustration only: a pool service with a $100,000 limit.
| Month | Action | Balance used |
|---|---|---|
| February | Draw for chemicals and equipment | $35,000 |
| April | Draw for seasonal hiring | $60,000 |
| July | Repay from peak revenue | $20,000 |
| September | Repay remaining balance | $0 |
| November | Small draw for winterization supplies | $10,000 |
The costs and repayment terms come from the actual offer. The point is the rhythm: draw, repay, draw again.
If your seasonal need is one large, defined ramp-up, seasonal revenue-based financing may be simpler. If you face several smaller needs across the year, the line usually wins. Compare both in working capital vs. line of credit. Wondering about score expectations? See credit score for a business line of credit.
Landscapers, HVAC contractors on commercial service contracts, tax preparers, event venues, ski and outdoor retailers, and holiday-heavy gift shops all share an uneven revenue curve. A seasonal line gives each of them a way to prepare for the busy stretch without holding idle cash all year. Browse our industries hub for timing notes by business type. The common thread is predictability: when you know roughly when revenue arrives, you can plan draws and repayments around it.
Lines are available through our partner Merchant Fund Express, with funding from $25,000 to $5,000,000. Built for established businesses doing $60K or more a month on average. Apply in about 5 minutes with a soft credit pull to start, about three months of bank statements, and no tax returns. FICO 500+ is considered and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Start your application.
A line lets you draw, repay, and draw again up to a limit. An advance is a single amount repaid until the agreed total is met.
They are weighed in context. A short note about your seasonal cycle helps the reviewer understand lower months.
Cost terms depend on the specific offer. Generally lines are structured around what you draw, but read your agreement for the exact terms.
Yes. Sole proprietors can apply when the business shows steady deposits in its bank statements.
Do not plan on it. Funding and credit repair are separate services, and you can work on credit separately.
Example uses for illustration only.
A line works best when your yearly cash cycle is easy to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding