Your year has peaks and valleys. We review your statements with your season in mind and show the full payment schedule before you accept.
Plan My SeasonQualifying with seasonal sales
Stock up before peak, carry staff through the slow months, or service equipment while it is quiet. We look at your deposits in the context of your calendar.
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.
Five minutes, three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, and seasonal deposit patterns are read in context.
Your offer shows the full repayment amount before you accept, with no surprise costs once you sign.
The repayment schedule is in the offer up front, so you can check it against your quietest stretch.
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.
Landscapers, pool companies, ski shops, tax preparers, beach restaurants and holiday retailers all live on a calendar. A few months carry the year. When a funder looks at three months of statements, the question is which three months, and what they say about the rest of the year.
The biggest mistake we see is taking money at the top of the season with a payment that only works during the peak. Look at the repayment schedule in your offer and check it against your slowest months, not your best ones. We lay the schedule out up front so you can do that before you accept. If you are coming off a quiet stretch, our page on funding after a slow quarter covers that timing.
Stocking up before the rush, hiring and training seasonal staff, servicing equipment in the off-season, and covering fixed costs when sales dip are the usual reasons. A business line of credit can suit repeat needs, while a one-time working capital amount suits a single push. Revenue-based financing is another option worth asking about.
A landscaping company sees most of its deposits from spring through fall, with a thin winter. If it applies in February, its statements look slow. If it applies in July, they look strong. Neither snapshot is the full picture. Telling us your cycle up front, and checking that the payment works in February too, helps everyone make a better call.
Five-minute application, soft credit pull to start, about three months of bank statements and no tax returns. If your statements fall in a slow period, say so in your application. Start here.
You can apply any time. Funders will weigh where you are in your cycle, so explaining your seasonality helps them read the statements correctly.
Busy-season statements usually show stronger deposits, but the payment still has to work in the slow months. Timing is a trade-off worth thinking through.
We start with about three months of business bank statements. Extra context about your cycle is welcome.
It depends on the need. A line of credit can help with recurring gaps, while working capital or a merchant cash advance fits a single pre-season push.
FICO 500+ is considered, and your deposit history carries real weight.
It can be a good fit for recurring needs, since you draw when you need it. Whether it is available depends on your full file.
Example uses for illustration only.
Seasonal businesses can make their file easier to read with a few moves.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding