Funding for inventory and seasonal working capital
Seasonal and cyclical businesses spend ahead of revenue. Inventory, staffing, and marketing all ramp before the selling period — financing closes the gap without forcing the business to under-prepare.
When this use case comes up
Retailers, ecommerce operators, hospitality businesses, and many B2B suppliers face the same pattern: capital is needed before the peak, then repaid as sales arrive. A line of credit or revenue-based structure typically fits this rhythm better than a fixed-payment term loan.
We focus on matching repayment cadence to your selling cycle so payments scale with revenue rather than competing with it.
What helps us match you to the right partner
- A documented seasonal pattern or buying cycle
- Clear inventory turn and gross margin
- Sales history covering at least one full cycle
Funding options often used for this
Business lines of credit
Revolving access to capital you draw on as needed. Useful for managing payroll, inventory cycles, and short-term cash flow gaps.
Learn moreRevenue-based financing
Advances repaid as a percentage of receivables or sales. A fit for businesses with consistent monthly revenue and seasonal swings.
Learn moreFunding is subject to approval and not all applicants will qualify. Terms, structures, and availability are determined by the funding partner.
Other situations we help with
Payroll and operating cash flow
Financing options for businesses bridging payroll, rent, and recurring operating costs between billing cycles.
Learn moreEquipment, vehicles, and fleet
Financing for acquiring or replacing machinery, vehicles, fleet, medical, dental, kitchen, manufacturing, or technology equipment.
Learn moreExpansion and growth projects
Term financing for expansion projects with a defined budget, long payback periods, and a need for the longest available terms.
Learn moreTalk through your situation with a specialist
No obligation. We'll review what you're trying to fund and walk you through the structures most likely to fit.