Funding for your situation
How operators who earn most of their revenue in a few months can structure funding around the curve.
✓ Checking what you qualify for does not affect your credit score.
A seasonal business earns in a window and pays all year. The funding that fits is built around the curve, not the average month. Showing twelve months of statements lets a funder see the pattern rather than guess at it.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
| Cost item | Illustrative amount |
|---|---|
| Pre-season inventory and supplies | $28,000 |
| Pre-season staff and training | $12,000 |
| Off-season fixed costs (12 weeks) | $20,000 |
| Reserve for the unexpected | $8,000 |
| Cushion for overruns and slow early weeks (about 10%) | $7,000 |
| Seasonal funding plan | $75,000 |
Sizing check. If the full repayment shown in an offer were $98,000 over about 26 weeks, the weekly debit would be about $3,769. Against illustrative monthly deposits of $70,000 (about $16,154 a week), that is roughly 23% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Inventory and staff before revenue.
Rent, insurance and software.
What you need to handle the busy window.
To smooth the swings.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Applying with Merchant Fund Express is a single application. We review it the same day on a complete file, explain what the numbers say in plain terms, and fund typically the next business day after signing. Nothing here affects your credit score to check.
A line of credit or revenue-based financing can flex with the curve. Working capital fits a defined window.
It is a pattern. Twelve months of statements make it visible and explainable.
Ahead of the peak is usually easier.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
