Guide
Every seasonal business has a quiet stretch. The ones that make it through are the ones that planned for it during the busy months.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
Every seasonal business has a quiet stretch. The ones that make it through are the ones that planned for it during the busy months.
A slow season is a cash problem more than a sales problem: rent, insurance and key staff do not take the winter off. The payment system helps by showing you exactly how much a normal slow week brings in so you can plan for it.
Look at last year's monthly totals, find the lowest three months and compare them to your fixed costs. The gap is the number you need to cover.
Export monthly sales and find the low months.
Rent, insurance, loan payments and core payroll.
Subtract the low-month sales from fixed costs.
Set aside reserves in the busy months or arrange funding ahead of time.
A lawn care company sees January revenue drop to a fifth of June. By setting aside a share of each summer week and lining up a small line of credit in the fall, the owner covers insurance and payroll without scrambling.
This comes up for almost every owner at some point. Most of the stress is not the problem itself but not knowing the next step, so having the steps written down before you need them is the real fix. Print the steps, put them where your team can see them and rehearse them once.
Call (305) 384-8391 and tell us how you sell. We will explain the options in plain English, give you a personal quote and review your current statement for free. There is no price list to compare against, because the right setup depends on your business.
As explained by Merchant Fund Express. Updated 2026.
At least a full year; two is better to see whether a bad month was a trend or an exception.
Funding and working capital options are available from Merchant Fund Express, handled separately from your processing.
Monthly sales and an item report to spot what still sells in the slow months.
Compare hourly sales to labor before cutting; some slow hours still pay for themselves.
There is no published price list because the right number depends on your volume, card mix and devices. Call for a personal quote and a free rate review.
Call (305) 384-8391 and describe how you sell. We will recommend the lightest setup that does the job and tell you honestly if something you were considering is not needed.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
