Cover overhead and keep your best painters through the cold, wet months. Apply in five minutes with about three months of bank statements.
Fund My Off-SeasonPainting Off-Season Capital
When exterior work stops, bills do not. Use working capital or a line of credit to hold your crew, prep equipment and market for spring jobs.
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 five minutes and roughly three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, and we read your deposits across the year instead of judging one quiet month.
Your offer shows the full repayment amount up front. No surprise costs after you sign.
Repayment is laid out in the offer up front, so you can plan it against booked work.
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.
Exterior work depends on temperature and dry weather. In many regions that means a busy stretch from spring through fall and a thin stretch when it is too cold or wet for paint to cure properly. Interior jobs, commercial repaints and cabinet work help, but they rarely replace the volume of a full exterior schedule.
Meanwhile, truck payments, insurance, the shop lease and your best painters do not take the winter off. Losing a good lead painter because you could not keep them busy is expensive when spring comes back.
A business line of credit for painting contractors fits the slow season well because you draw only what each month needs and stop drawing when work picks up.
If you already know the number, such as keeping two crews on through February, a single lump of working capital is simple to plan around.
If repayment that follows your deposits suits you better, look at revenue-based financing.
We look at about three months of business bank statements. If those months include your slow period, that is fine to show; we want to understand the pattern, not punish it. Applying before the dip often helps, because statements from your busy months show what the business does at full speed. FICO 500+ is considered and no tax returns are required.
Map out which months you expect to be light, what fixed costs you must cover, and when signed spring work should start paying. Your offer lists the full repayment amount and schedule before you accept, so you can check it against that plan. Use the quiet months to bid commercial interiors, line up HOA repaints and book spring exteriors early. When the numbers make sense, apply in about five minutes.
Before is usually easier, since your recent statements reflect busy-season deposits. You can still apply mid-winter; we look at the overall pattern.
Yes. Retaining skilled painters, paying for training, or covering overhead through the quiet stretch are all common uses.
Often, because you draw only what each month needs. A lump sum works well if you know the exact amount and want one predictable schedule.
FICO 500+ is considered. Deposits and cash flow carry a lot of weight in our review.
Yes. Sole proprietors can apply, as long as the business has steady deposits in a business bank account.
Example uses for illustration only.
Smoothing the off-season makes the business stronger and easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding