Key Takeaways
- Seasonal businesses need pre-season capital before peak revenue arrives
- No green card required — EAD and US entity qualify
- Fund Q4 inventory, spring equipment, summer staffing, and holiday prep
- Revenue-based repayment automatically accelerates during peak season
- 48-hour decisions
Many asylee-owned businesses follow strong seasonal patterns. A landscaping company in Chicago makes 80% of its revenue between April and October. A Caribbean restaurant in Miami peaks around summer and the holiday season. A school-supply retailer in Houston has a massive back-to-school spike every August. A tax preparation firm does 70% of its revenue between January and April. These businesses need capital before the season — not after the season arrives.
Seasonal Capital Use Cases
- Spring preparation: Landscapers buying equipment and hiring crews in February-March for an April-October season
- Q4 inventory: Retailers stocking for Thanksgiving, Christmas, and holiday gift-giving in September-October
- Restaurant holiday preparation: Holiday catering supplies, extra staff, marketing campaigns
- Tax season staffing: CPA firms and tax preparers hiring temporary staff in December-January
- Construction season: Contractors purchasing materials in late winter for spring project starts
How Revenue-Based Repayment Fits Seasonal Businesses
The beauty of revenue-based repayment for seasonal businesses is mathematical elegance: you draw capital in your pre-season low period and repay during your peak season when cash is flush. A landscaper draws $40,000 in February, repays over April-October when deposits are strong, and the payment schedule naturally matches their cash availability. No fixed monthly payment landing in January when the snowplows aren't running.
Minimum: $10,000/month in annualized revenue (averaged over 12 months), 12 months operating, US entity, EAD.
Frequently Asked Questions
Yes. Seasonal businesses with 12 months of operating history and $10,000+/month in annualized revenue qualify for seasonal working capital.
We average your last 12 months of bank deposits to get your annualized monthly revenue. Peak months and slow months are averaged together.
Yes. That's exactly the design of seasonal capital — fund in the off-season, repay during the peak.
$10,000/month in annualized revenue (12-month average), 12 months operating, US entity, EAD.
Yes. Q4 holiday inventory financing is one of the most common seasonal capital requests.
Revenue-based repayment automatically adjusts — off-season months have very low or no repayment because deposits are low. Peak season repayment accelerates.
Yes. Food trucks with 12 months of history and consistent annual revenue qualify.
Yes. Many Bankable clients renew their seasonal capital advance annually, drawing in winter/spring and repaying by fall.