Get through the slow months. Be ready for the busy ones.
If your revenue rises and falls with the seasons, your bills don’t. A line of credit smooths it out so the off-season doesn’t eat your best months.
- Cover fixed costs in the off-season
- Stock up and staff up before peak season
- Pay it down when business is strong
Seasonal businesses need money at the wrong time
Landscapers, pool companies, tourism businesses, retailers and HVAC contractors all know the pattern. The months before the busy season are when you need to spend the most, and they’re also when you’re bringing in the least.
A line of credit lets you draw during the slow stretch to cover rent, payroll and pre-season buying, then pay it down when the money comes in.
Owners use it to
- Keep key employees on through the slow season
- Buy inventory and supplies before peak demand
- Service and repair equipment during downtime
- Run marketing ahead of the busy season
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions owners ask
Will a slow season hurt my application?
Not necessarily. We look at your revenue over time, and seasonal patterns are normal for a lot of businesses.
When should I set up my line?
Ideally before the slow season starts, so it’s ready when you need it.
Can I pay it all back in my busy months?
Yes. Many seasonal owners pay down most of what they drew once business picks up.
Other ways owners use their line
Payroll
Make payroll on time, even when customers pay you late.
Learn more →
Inventory & Materials
Buy stock and materials before the busy stretch, not after.
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Equipment & Repairs
Fix or replace what breaks without draining your account.
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Cash Flow Gaps
Cover bills in the weeks between doing the work and getting paid.
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New Jobs & Contracts
Front labor and materials so you can say yes to bigger work.
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See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.