Fund the off-season with a line of credit or a working capital advance timed to repay in-season; flexible holdback payments track slow months.
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Seasonal businesses earn most of their revenue in a few months and carry costs all year. Financing works when it is timed before the peak, sized from past seasons and structured so payments do not crush the off-season.
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.
Existing balances of $100,000 or less can be bought out.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
Net cash, total payback and payment shown before you sign.
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.
Map the year first. Using last year bank statements, chart monthly deposits and fixed costs. Identify the pre-season buildup (when you buy inventory, hire and market), the peak (when cash arrives) and the off-season (when costs continue but revenue slows). Landscapers, pool services, tax preparers, ski shops, holiday retailers and beach restaurants each have their own shape.
Fund the buildup, not the trough. The best time to borrow is before the peak, so inventory and staff are ready when demand arrives. Repayment then comes mostly from peak revenue. Borrowing in the middle of the off-season to cover losses is riskier, because repayment depends on a season that has not started yet.
Choose structures that flex. A line of credit drawn before the season and repaid during it is ideal for businesses that qualify. Revenue-based funding with payments tied to a percentage of sales naturally shrinks when sales slow. If the payment is fixed, size it for the shoulder months on either side of the peak, not peak deposits. Early-payoff discounts at 30, 60 or 90 days, available on some agreements, let you pay down quickly from strong peak sales.
Keep an off-season reserve built from peak profits, and apply for next season funding when your statements reflect the strong months. Funders reviewing seasonal businesses often look at a full year of statements to see the pattern; MFE considers credit from 500 and works with seasonal owners.
Here is a pre-season advance sized from last year peak. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.25) | $125,000 |
| Term | ~52 weeks |
| Payment per week | $2,404 |
| Monthly payment the project must cover | $10,409 |
| Your estimate of added monthly profit | $20,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Pre-season | Borrow for inventory, staff, marketing |
| Peak | Repay faster, build reserve |
| Shoulder months | Payments must still fit |
| Off-season | Run on reserve, avoid new debt |
| After peak | Apply for next round while statements are strong |
Good fit:
Probably not yet:
Before the peak, so repayment comes from peak revenue.
A line of credit, a percentage-of-sales holdback or a fixed payment sized for shoulder months.
Often a full year to see the pattern.
Only cautiously; repayment depends on a season that has not started.
Build a reserve from peak profits.
Some agreements offer discounts at 30, 60 or 90 days.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding