Seasonal Business Funding to Prep for Your Busy Season

Stock up, staff up, or bridge the slow months — revenue-based funding with payments that flex when your season does. Approved on deposits, not your credit score.

The money you need comes right before the money you make

If you run a seasonal business, you already know the trap. The inventory order, the extra crew, the equipment tune-up — all of it has to happen weeks before the first real sale of the season. That's exactly when your bank account is at its thinnest, coming off the slow months. A landscaper needs mulch and a second truck in March. A pool company needs chemicals and installers before May. A retailer needs shelves stocked before the holidays. The demand is guaranteed. The cash to meet it isn't there yet.

Banks don't fit that timeline. They want two years of tax returns, collateral, and a 30-to-60-day underwriting process — and then they hand you a fixed monthly payment that keeps hitting hard all through your dead season. That's the wrong tool for a business that makes most of its money in a few months.

How seasonal funding works — 3 steps

• 1. Apply online in minutes. Fill out the short application and connect or upload your last 3 months of business bank statements. No tax returns, no business plan, no collateral for working capital.
• 2. We look at deposits, not FICO. Approval is based on the money moving through your account. FICO 500+ is fine. Checking your offer is a soft pull, so it won't ding your credit.
• 3. Get funded — often in as little as 24 hours. Send statements before early afternoon ET on a weekday and sign, and funding can land the same day. (Friday afternoon signings fund Monday.) You use the money to stock up, staff up, or cover the off-season.

Straight answers

My off-season is dead. Will low months hurt my approval?

No. We look at your deposit pattern, not a single slow month. Seasonal swings are normal and expected — we underwrite the season you actually make money in. Send 3 months that include your busy period if you can.

Can I get funding during the off-season to bridge to peak?

Yes. Many seasonal owners take funding in the slow months specifically to cover payroll, rent, and prep costs until revenue picks back up. If your active-season deposits support it, the timing of when you apply isn't a dealbreaker.

Will the payments crush me when sales drop off?

Revenue-based repayment is designed for exactly this. Your payment scales with a percentage of what's coming in, so the heavy paydowns happen while you're busy and cash-rich, and ease off when things slow.

Does checking hurt my credit?

No. Seeing your offer is a soft pull only. Nothing hits your credit report to get a number.

How fast can I actually have the money?

As little as 24 hours. Statements in and signed before early afternoon ET on a weekday can fund the same day. Friday afternoon signings fund Monday.

How much can I get?

$10,000 to $5,000,000, sized to your active-season deposits. Most seasonal businesses get an amount they can comfortably clear during their peak.

Beat the clock on your busy season

The order deadline for peak-season inventory doesn't wait, and neither should you. Check your offer with a soft pull, get an honest number, and have the cash to open your season fully stocked and fully staffed.