Key Takeaways
- Bankable funds pre-season inventory, hiring, and equipment for DACA seasonal businesses — no citizenship required
- Seasonal bridge capital covers slow months without requiring business shutdown or staff layoffs
- Landscaping, agriculture, food trucks, retail, and construction are all strong seasonal Bankable clients
- SBA seasonal working capital now closed to DACA owners — Bankable fills the gap with 48-hour decisions
- Your peak-season revenue history is your bankability for pre-season capital — no green card needed
Seasonal businesses face a capital challenge that has nothing to do with business quality: revenue concentrates in a few months, but costs are year-round. A DACA landscaping company earns 80% of its revenue from March through October. A DACA retail store earns 40% from October through December. The business is profitable annually — but the cash flow doesn't match the timing of obligations. Bankable funds the solution.
Pre-Season Capital: Invest Before the Revenue Arrives
The most valuable seasonal capital is pre-season investment. A DACA landscaping company needs to hire and train a second crew in February to service the spring contracts starting in March. A DACA food truck needs to restock and relaunch equipment maintenance in April to be ready for the May-September peak. This capital must arrive before the peak revenue — which means it must be funded on the strength of last year's performance.
Off-Season Bridge Capital: Maintain the Business During Slow Months
The second seasonal capital need is off-season bridge: covering fixed costs (insurance, vehicle payments, employee retention pay, storage) during the months when revenue is minimal. This bridge keeps the business alive and positioned to capitalize on the next season without having to rebuild from scratch each year.
Seasonal Capital Requirements
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no citizenship required |
| Annual Revenue | $120,000+ annual revenue (even if concentrated seasonally) |
| Business Age | 12+ months — at least one full seasonal cycle |
| Seasonal Pattern | Documented peak and off-peak revenue history |
| Funding Range | $15K to $1M depending on seasonal revenue volume |
Frequently Asked Questions
Yes. Bankable evaluates annual revenue, not just monthly revenue. A landscaping business with $200,000 in peak-season revenue qualifies even if off-season revenue is minimal.
We structure repayment to align with your peak revenue months. Higher payments in spring and summer, lower or suspended payments in the off-season.
Yes. Pre-season capital — for equipment, inventory, hiring, and marketing — is released before the season begins, based on your previous season's revenue history.
Landscaping, agriculture, food trucks, retail (holiday season), construction (warm weather), outdoor recreation, event planning, and tourism-adjacent businesses are all strong seasonal Bankable clients.
Yes. Employee retention pay — keeping key staff employed through the slow months rather than laying off and rehiring — is a covered seasonal capital use case.
Apply 30-60 days before your pre-season investment needs begin. This gives Bankable time to complete the 48-hour review and release funding before your purchasing or hiring deadlines.
Yes. A revolving line of credit with seasonal draw periods is available for established seasonal businesses. Draw during pre-season, repay during peak season, and draw again for the next off-season bridge.
Yes. Farm operations with seasonal planting and harvest cycles are fundable. We look at annual farm revenue and structure capital around the crop cycle.
Yes. Pre-holiday inventory purchasing — stocking up in August and September for October-December sales — is one of the most common seasonal capital use cases for DACA retail owners.
Businesses with multiple peak seasons (e.g., spring landscaping and fall cleanup, or summer tourism and winter holiday retail) can structure revolving capital that supports multiple draw periods per year.