Stock up and staff up ahead of your busy months. Built for established businesses doing $60K+ a month on average across the year.
Plan my seasonBuilt for Uneven Years
Repaid as a share of revenue, so the rhythm can follow your sales, 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 you can line up inventory and crews before demand hits.
About 3 months of bank statements, no tax returns, and a 5-minute application. Have a peak month handy to show context.
FICO 500+ is considered and it begins with a soft pull. Your deposit history carries weight.
The full repayment amount and schedule are in your offer before you accept. No surprise costs after you sign.
Landscapers buy mowers in March. Pool builders hire crews in April. Gift retailers stock shelves in September for December. The pattern is the same: you spend heavily before the revenue arrives. A seasonal business can be profitable on the year and still feel short on cash for eight weeks at a time.
Revenue-based financing is useful here because repayment is tied to revenue. Depending on how the agreement is structured, collections can track the business more closely than a fixed monthly loan payment.
For illustration only: a landscaping company's planning view.
| Period | Monthly deposits | Cash need |
|---|---|---|
| Jan to Feb | $45,000 | Equipment and early hiring |
| Mar to Apr | $90,000 | Materials and crew ramp-up |
| May to Sep | $160,000 | Steady operations |
| Oct to Dec | $70,000 | Snow services and planning |
The smartest request lands in late winter, sized to the ramp-up, with payback expected during the strong months.
Three months of statements from a slow stretch can look thin. Help the reviewer by explaining your cycle in a sentence or two, and if you can, apply when the recent months reflect normal operations. Reviewers typically look at deposit consistency, existing obligations, and average balances, all read in context of your industry. Built for established businesses doing $60K or more a month on average.
If you need the same cushion every year, a seasonal business line of credit lets you draw and repay repeatedly. If you need one larger amount for a defined ramp-up, revenue-based financing is often simpler. For retail-specific timing, see holiday season business funding.
Each of these has a clear payback window inside the strong months, which is exactly what makes them good candidates for revenue-based funding.
Amounts range from $25,000 to $5,000,000 through our partner Merchant Fund Express. The application takes about 5 minutes with a soft credit pull to start, no tax returns are required, and FICO 500+ is considered. Qualified files can fund in as little as 24 hours, but do not cut it close. Start your application a few weeks before the money is needed.
They are weighed in context. Briefly explaining your seasonal cycle helps the reviewer read your statements accurately.
A few weeks before your ramp-up spending begins, so funds are in place before the deadline and you are not rushing.
It depends on how the agreement is structured. Some collections track a share of revenue; others use a set draw. Read the remittance terms.
Many businesses return each year. Each request is reviewed on current statements and obligations.
Revenue-based financing is generally not secured by specific assets, though the owner may be asked to sign personally.
Example uses for illustration only.
Seasonal files read best when the yearly pattern is easy to see.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding