Carry rent, staff and next season's buy through the quiet months. 5-minute application, soft credit pull to start.
Plan My Off-SeasonOff-season funding for apparel
Apparel sales follow the calendar. We help clothing stores cover the soft months so they are stocked and staffed when shoppers return.
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.
About three months of bank statements, no tax returns. Funding in as little as 24 hours for qualified stores.
FICO 500 and up considered, with deposits weighed heavily.
The full repayment amount is in your offer before you accept, with no surprise costs after signing.
Your schedule is in the offer up front, so you can plan it against busy months.
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.
Every clothing store knows the pattern. Sales swell around back-to-school and the holidays, then January and February go quiet, and late summer can drag before fall merchandise lands. Rent, utilities and a core team do not take the slow months off. Neither do vendor deadlines for next season's orders, which often land right when cash is lowest.
Slow-season funding gives you room to carry fixed costs and place the orders that drive the next busy stretch.
Lease payments, utilities, POS subscriptions and insurance.
Good associates are hard to replace. Keeping a core crew on payroll beats rehiring and retraining in the spring.
Placing spring or fall orders on time so you are not stuck with thin racks when traffic returns.
Email campaigns, local events or a trunk show to pull shoppers in during a soft stretch.
We review about three months of business bank statements. If those months include your quiet season, you are welcome to explain it: we look at how deposits move through the year, not just one snapshot. Funders also weigh existing obligations and how consistently money comes in. No tax returns are required, FICO 500 and up is considered, and the application takes about 5 minutes with a soft credit pull to start.
A business line of credit is a natural fit for recurring slow stretches, since you draw only what you need. A lump sum of working capital works when you know the number in advance. Revenue-based financing ties repayment to sales, which some owners prefer when traffic is uneven. Our clothing store cash flow guide covers planning around the calendar in more depth.
List fixed costs for each slow month, add the deposit you owe on next season's buy, then subtract the sales you realistically expect. The difference is your target. For illustration, a store with $28,000 in monthly fixed costs and $18,000 in expected slow-month sales has a $10,000 monthly gap; across three months plus a $20,000 order deposit, that points to roughly $50,000.
Yes. Tell us about your seasonality. Funders look at the overall pattern of deposits and your existing obligations.
Yes. Many owners use it to place next season's orders on time.
FICO scores of 500 and up are considered.
Your offer lays out the repayment schedule and the full repayment amount before you accept.
Funding ranges from $25,000 to $5,000,000, based mainly on deposits and existing obligations.
Yes. Many owners use slow-season funding to keep their best associates on a lighter schedule rather than letting them go. Rehiring and training in spring often costs more than carrying a smaller core team through the quiet months.
Example uses for illustration only.
These moves can soften the next slow season.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding