Reserves from peak months plus a line of credit or timed advance; landscaping, tourism, retail and construction all plan funding around their calendar.
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Landscaping, construction trades, tourism and hospitality, retail, tax preparation, pool services, snow removal and agriculture all earn most of their revenue in a few months. The businesses that last manage cash, staff and financing around that 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.
Existing balances of $100,000 or less can be bought out.
Advances, lines of credit and second-position options in one place.
Net cash, total payback and payment shown before you sign.
You can apply at 500; stronger credit opens more products.
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.
Each industry has its own curve. Landscapers and pool services peak from spring to early fall; snow removal and ski businesses peak in winter; tax preparers concentrate revenue between January and April; retailers depend on the holiday quarter; beach towns and resort areas swing with tourist seasons. Knowing your curve precisely, from at least a year of deposits, is the starting point.
Survivors diversify where they can. Landscapers add snow removal or holiday lighting; pool companies offer repairs and winterization; tax preparers add bookkeeping or payroll services; resort restaurants book off-season events. Even a modest off-season revenue stream reduces how much reserve or financing the business needs.
They flex costs. Seasonal staffing, part-time schedules, equipment storage instead of rental, and negotiated off-season rent or payment plans keep the fixed cost base low when revenue falls. Year-round key staff are retained with planned off-season work such as maintenance, training and preparation.
They time financing to the curve. Borrowing just before the peak, to buy inventory, hire and market, lets repayment come from peak revenue. Payments structured as a percentage of sales, or fixed payments sized for the shoulder months, avoid strain when revenue drops. Applying when statements include strong months generally leads to better offers.
MFE considers credit from 500 and works with seasonal businesses, reviewing enough months of statements to see the full pattern.
Weather adds uncertainty within each season. A late spring delays landscaping revenue; a warm winter cuts snow removal income. Seasonal owners who keep a reserve beyond the typical off-season, and who know which funding option they would use if the season starts late, handle these surprises without missing payments.
Here is pre-peak funding for a seasonal business. Illustrative numbers.
| Funding for the project | $125,000 |
| Total payback (factor 1.20) | $150,000 |
| Term | ~32 weeks |
| Payment per week | $4,688 |
| Monthly payment the project must cover | $20,297 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Landscaping, pool service | Spring to early fall |
| Snow removal, ski businesses | Winter |
| Tax preparation | January to April |
| Retail | Holiday quarter |
| Tourism and resort hospitality | Local tourist seasons |
Good fit:
Probably not yet:
Landscaping, tourism, retail, tax preparation, pool and snow services and agriculture, among others.
Reserves, diversification, flexible costs and well-timed financing.
Just before the peak, with repayment from peak revenue.
Percentage of sales, or fixed payments sized for shoulder months.
Often enough to see the full annual pattern.
Yes, it reduces reserve needs and smooths deposits.
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