Borrow ahead of the season for stock and staff, and set repayment to end as peak sales taper.
Check my optionsGrowth
Peak-season financing covers the inventory, staff and marketing a business needs before its busiest weeks. The two biggest risks are borrowing too little and running out during the peak, or borrowing too much and carrying unsold stock and payments into the slow months.
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.
Advances, lines of credit and second-position options in one place.
You can apply at 500; stronger credit opens more products.
Existing balances of $100,000 or less can be bought out.
Your file goes to funders that fit it, so offers can be compared.
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.
Size the buy from sell-through, not hope. Look at last peak: what sold at full price, what sold out early, what was discounted and what remained. Increase quantities on items that sold out, hold or reduce those that needed markdowns and add a modest buffer for growth. The funding amount follows from that plan, not the other way around.
Stage purchases where suppliers allow. An initial order plus a reorder option midway through the season reduces the risk of overbuying. Funding sized for the initial order, with room to add a smaller amount if sell-through is strong, keeps payments lower if demand is softer than expected.
Include the non-inventory costs. Seasonal staff, overtime, extended hours, marketing and sometimes temporary space or equipment rental all arrive before revenue. Missing them in the plan is a common reason peak-season budgets fall short.
Choose structure for after the peak. Payments that are a percentage of sales shrink automatically when the season ends. If payments are fixed, size them for the weeks after the peak, not the peak itself. Early-payoff discounts at 30, 60 or 90 days, available on some agreements, let you pay down quickly from peak revenue.
Apply six to eight weeks before major orders so the decision is made calmly. MFE considers credit from 500 and can time an offer to land as your purchasing window opens.
After the peak, review results while they are fresh. Compare actual sales by week with the plan, note which items or services ran short and which sat, and record what the funding cost against the gross profit it supported. That review becomes the starting point for sizing next year request.
Here is peak-season funding sized from last season sell-through. Illustrative numbers.
| Funding for the project | $60,000 |
| Total payback (factor 1.20) | $72,000 |
| Term | ~26 weeks |
| Payment per week | $2,769 |
| Monthly payment the project must cover | $11,991 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Sell-through review | What sold out, what was marked down |
| Staged purchases | Initial order plus reorder option |
| Non-inventory costs | Staff, overtime, marketing |
| Payment structure | Sized for post-peak weeks |
| Timing | Apply 6-8 weeks before orders |
Good fit:
Probably not yet:
Based on last season sell-through plus non-inventory costs, minus available cash.
Stage purchases with a reorder option and fund the initial order.
Seasonal staff, overtime, marketing and temporary space or equipment.
As a percentage of sales or fixed payments sized for post-peak weeks.
Six to eight weeks before major orders.
Some agreements offer discounts at 30, 60 or 90 days.
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