Stock up and staff up before peak season. Established businesses doing $60K+ a month can apply in 5 minutes and move before the bank would.
Get holiday readyHoliday season
The holiday window does not wait on a bank. Through our partner, Merchant Fund Express, you can get an answer quickly and order while suppliers still have stock.
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.
Funding in as little as 24 hours for qualified businesses, so orders go in while stock is still there.
5-minute application, about three months of statements, no tax returns.
FICO 500+ considered with a soft pull to start. Your deposit history carries weight.
Full repayment amount and schedule are in your offer before you accept. No surprise costs after you sign.
Every holiday season runs the same way. You pay for inventory, extra staff, decorations and ads weeks before the register gets busy. For an established business doing $60K or more a month, that front-loaded spending can still drain the account right when you need cushion most.
Funding through our partner Merchant Fund Express is built for that timing problem. Amounts run from $25,000 to $5,000,000, and the review leans on your deposits rather than your credit score alone.
| When | What usually needs cash |
|---|---|
| September to October | Inventory orders, supplier deposits, seasonal hiring |
| November | Ad spend, extended hours, overtime |
| December | Restocking best sellers mid-season, payroll on bigger shifts |
| January | Returns, slow traffic, catching up on bills |
Apply early. If you wait until shelves are empty, you are funding a problem instead of a plan.
For illustration only, not our terms. A gift and home goods store deposits about $80K a month most of the year and roughly double that in December. Last year it ran out of its two best sellers by mid-month because it could only afford one order. This year the owner funds a larger October order and a mid-December restock, so the busiest weeks are spent selling, not apologizing for empty shelves.
Retail? See funding for retail. Restaurants hosting holiday parties can look at restaurant funding.
Holiday optimism is expensive. Fund what last year's numbers support plus a sensible margin, and plan for a soft January when repayment still comes due. Our slow-month cash flow page covers that side of the calendar.
About three months of business bank statements, no tax returns, and a soft credit pull to start. FICO 500+ is considered and sole proprietors can apply. The application takes 5 minutes, and for qualified businesses funding can arrive in as little as 24 hours. Credit repair is a separate service and is not needed to apply.
Early, ideally before your big supplier orders are due. Waiting until December leaves less room to use the money well.
Seasonal swings are normal and get weighed in context. Consistent patterns year over year help.
Yes. Payroll for extra shifts is a common use of working capital.
Repayment still applies. Revenue-based options that follow your sales can be easier to carry in a soft stretch, so size the amount conservatively.
No. FICO 500+ is considered, and your deposits carry significant weight.
Example uses for illustration only.
Before the season starts, tighten up your numbers.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding