Busy months pay for slow ones, and banks rarely get that. Built for established businesses doing $60K or more a month.
Plan my seasonFor businesses with a busy season
Seasonal revenue-based financing through our partner, Merchant Fund Express, built around how money actually comes in, from $25,000 to $5,000,000.
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 5 minutes with about three months of statements and no tax returns. Qualified files can be funded in as little as 24 hours.
FICO 500+ is considered and a soft pull starts the process. Your revenue pattern carries weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can match it to your slow and busy months.
A pool company spends on chemicals and crews in April and gets paid in June. A ski shop buys inventory in September and sells it in December. A tax preparer staffs up in January. In every case, the cash goes out before it comes back. A bank looks at your slow months, sees thin deposits, and says no.
Revenue-based financing reads the full pattern, peaks and valleys, and sizes funding to the business you actually run.
Many revenue-based agreements collect a share of your deposits or sales. Depending on how the agreement is structured, that can mean collections rise in your busy months and ease in your slow ones. Some agreements use a fixed payment based on your average deposits instead, which does not flex. Ask which one you are getting before you sign, and ask in dollars what the total payback is. That total is fixed up front either way.
| When | What to do |
|---|---|
| 6 to 8 weeks before peak | Pull your last three months of statements and list what the season needs |
| 4 to 6 weeks before peak | Apply, so funds arrive in time to buy and hire |
| During peak | Sell, collect, and let revenue cover repayment |
| After peak | Review what worked before next season |
Applying in your slowest month can mean your most recent statements look thin. Apply when the statements tell your best honest story.
Established businesses doing $60K or more a month on average across the year, including owners with imperfect credit. FICO 500+ is considered. No tax returns required. Sole proprietors can apply. Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000.
Want a reusable option instead of a lump sum? See a seasonal business line of credit. For the retail rush, read holiday season business funding. Covering a dip rather than a peak? Try slow month cash flow funding.
The application takes about 5 minutes with a soft credit pull to start. Send about three months of business bank statements. Qualified businesses can see funding in as little as 24 hours, but do not wait until the week before your season opens.
It depends on the structure. If the agreement collects a share of revenue, collections can track your sales. If it is a fixed payment, it does not change. Ask before you sign.
Yes, but your recent statements will show slower deposits. Many owners apply just as the season ramps up, when statements look stronger.
That is normal for seasonal businesses. Funders look at the whole pattern across your statements, not one month alone.
Yes. Hiring, inventory, equipment prep and marketing ahead of the season are all common uses.
It depends on how your needs show up. One big pre-season purchase often fits a lump sum. Needs that come in waves often fit a line. One application lets you compare.
Example uses for illustration only.
Seasonal files read better with a little prep.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding