Cover rent, insurance and your core team through the January lull and summer dips, then hit the next booking season ready.
See What I Qualify ForCatering Seasonal Capital
Caterers earn most of the year's revenue in a few busy months. Working capital helps the quiet months stay quiet instead of stressful.
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 about 5 minutes with roughly three months of bank statements and no tax returns.
FICO 500+ is considered, and seasonal swings in deposits are read in context, not on their own.
You see the full repayment amount in your offer before you accept. Nothing new appears after you sign.
The schedule is spelled out up front, so you can check it against your slowest weeks.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Ask any caterer when the money comes in and you will hear about wedding season, graduation parties and the corporate holiday rush. Ask when it slows down and the answer is usually January through early spring, plus a summer dip if your business leans on corporate lunches. Commercial kitchen rent, insurance, vehicle payments and the salaries of the people you cannot afford to lose do not take those months off.
Slow-season funding is working capital that carries you from the last big event of one season to the first deposit of the next. Common uses include:
Some caterers prefer revenue-based financing for catering, where repayment is tied to incoming revenue rather than a fixed amount.
Uneven deposits are normal in catering, and we look at how your money moves rather than expecting a flat line. We review about three months of business bank statements, consider FICO scores of 500 and up, and start with a soft credit pull. No tax returns are required, and sole proprietors can apply.
Timing matters. Applying near the end of a busy season means your statements show the strongest recent activity, which gives a fuller picture of the business.
Any one of these is a reason to plan ahead rather than react once the account is already low.
Before you accept, the offer lays out the full repayment amount and the schedule up front. Map those payments onto your booking calendar for the next several months. If repayment would land hardest during your quietest weeks, ask about a smaller amount or a different product. Our catering cash flow guide can help you sketch that out, and you can apply in about 5 minutes.
Ideally before the slowdown starts, while your recent bank statements still reflect the busy season.
Funders look at the full pattern of deposits, including dips. Seasonal swings are expected in catering, but they are weighed alongside your overall activity and existing obligations.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and any existing obligations.
About three months of business bank statements. No tax returns are required.
FICO scores of 500 and above are considered, and we begin with a soft credit pull.
Yes. Retaining key staff through a quiet stretch is one of the most common uses, since rehiring and retraining in spring costs more.
Example uses for illustration only.
Small changes during busy months make slow-season funding easier to get.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding