Carry your crew and fixed costs through spring and fall, then hit peak season stocked and staffed. Apply in 5 minutes.
Plan My SeasonShoulder-Season Funding
We review your deposit history across busy and quiet stretches, so a normal seasonal dip doesn't define your whole business.
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.
Apply in about five minutes with three months of bank statements. Qualified shops can be funded in as little as 24 hours.
FICO 500+ is considered. We look at the whole deposit pattern, not only your score.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan the shoulder months.
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.
Most HVAC shops know the calendar by heart. Cooling calls pile up in summer, heating calls in winter, and spring and fall go quiet. Plumbing smooths it out a bit, but new construction slows in some regions and homeowners put off discretionary work. Fixed costs stay the same: truck payments, shop rent, insurance, and the techs you don't want to lose to a competitor before the next rush.
Slow-season funding gives you a cushion for those weeks so you can keep your crew together and stock up before the phones start ringing again.
We review about three months of business bank statements. If those months include a slow stretch, that's normal for the trade. We look at:
Funders weigh the full pattern. A predictable seasonal dip is different from deposits that are steadily falling.
A business line of credit works well for seasonal shops because you can draw what you need in the quiet months. Working capital fits a single planned purchase. Revenue-based financing ties repayment to incoming revenue. For a full-year view, see our plumbing and HVAC cash flow guide.
Every offer shows the full repayment amount and the repayment schedule before you accept. The application takes about five minutes and starts with a soft credit pull.
Seasonal dips are expected in HVAC and plumbing. Funders look at the overall deposit pattern and how your business recovers, not one quiet month by itself.
Before cash gets tight is best. Applying as the busy season winds down lets you plan with more options.
Yes. Many shops use slow-season funds to buy units and parts ahead of peak demand.
Funding ranges from $25,000 to $5,000,000. Your amount depends mostly on your deposits and existing obligations.
No. FICO 500+ is considered, and sole proprietors can apply.
It depends on how you plan to use it. A line of credit lets you draw only what you need as quiet weeks come up, while working capital gives you one amount for a planned expense like pre-season inventory. Your offer shows the full repayment amount and schedule either way, so you can compare before you accept.
Example uses for illustration only.
Seasonal shops can strengthen their position before the quiet months arrive.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding