Key Takeaways
- E-2 seasonal businesses with documented annual revenue qualify for off-season bridge capital
- Restaurants, landscaping, construction, retail, and hospitality businesses face seasonal gaps
- Bankable evaluates annual revenue with seasonal context — not just current-month cash flow
- Seasonal capital is structured to repay during peak revenue periods
- Funding from $25K to $5M with 48-hour preliminary decisions for seasonal businesses
Seasonality is one of the most misunderstood financial dynamics in small business lending. A restaurant in Cape Cod that generates $180,000/month from June through August and $20,000/month from December through February has $1.26M in annual revenue — but in February, a lender evaluating only current monthly revenue might decline them as insufficient. Bankable evaluates annual revenue with seasonal context, understanding that a seasonal business’s February performance is structurally predictable and not indicative of the business’s true capacity.
For E-2 seasonal business owners, off-season capital serves multiple purposes: maintaining staff through the slow period rather than losing trained employees who won’t return, preparing and renovating the business for the upcoming season, purchasing inventory and supplies before prices rise at peak season, and covering fixed costs (rent, insurance, loan payments) that don’t seasonalize with revenue. Bankable structures advances that are drawn in the off-season and repaid during the peak revenue months.
Seasonal Capital Uses
- Staff retention: Keeping key employees on reduced hours through the slow period to retain their availability for the busy season
- Pre-season renovation: Improving your business during the slow period when construction disruption has minimal revenue impact
- Inventory and supply purchasing: Buying before peak-season price increases from suppliers
- Fixed cost coverage: Rent, insurance, and loan payments that continue regardless of seasonal revenue
- Marketing pre-launch: Building awareness before peak season opens to maximize capture of early demand
Working Capital Line
A revolving line that you draw seasonally and repay during peak periods.
Learn More →Frequently Asked Questions
Yes. Bankable evaluates annual revenue with seasonal context. A strong annual revenue base qualifies for off-season bridge capital regardless of current monthly performance.
Restaurants, landscaping, construction, retail (especially holiday-focused), hospitality, agriculture, tourism-adjacent services, and any business with predictable seasonal patterns.
We use 12-month trailing revenue as the primary metric, with seasonal context. We do not penalize businesses for predictable off-season revenue drops.
Apply 4-8 weeks before your off-season begins, when your peak-season revenue is still documented. This gives us the strongest revenue picture to underwrite.
Repayment is typically structured to align with peak revenue periods. You draw capital in the off-season and repay primarily during high-revenue months.
Yes. Off-season renovation is one of the smartest uses of seasonal capital — minimal revenue disruption and the business emerges stronger for the upcoming peak season.
Most Bankable seasonal business clients have $400K+ in annual revenue (across both peak and off-peak seasons combined).
Yes. Prior financing history is not required. We evaluate your revenue pattern and seasonal business characteristics.