Key Takeaways
- Seasonal businesses — landscaping, hospitality, seafood, resorts — have predictable cash flow cycles that Bankable understands
- Bankable structures seasonal capital repayment around your peak revenue months — not your slow months
- No green card required — seasonal pattern is not a disqualifying factor
- SBA 2026 rule eliminated non-citizen seasonal business owners from SBA programs
- 48-hour decisions for qualified seasonal businesses
Why Seasonal Businesses Are Actually Great Bankable Borrowers
Banks tend to view seasonal revenue patterns as risk. They see the January bank statement with $20K deposited and the July bank statement with $80K deposited and call the business "unstable." This is a fundamental misunderstanding of seasonal business economics. Seasonal businesses are often more predictable than year-round businesses — their revenue patterns are consistent year after year, their customer demand is structural rather than discretionary, and their best operators build cash reserves during peak season to carry through the slow season.
Former H-2B workers who became seasonal business owners understand this dynamic intuitively — they lived it as workers. Bankable underwrites seasonal businesses correctly, looking at annual revenue rather than any single month, and structures repayment to align with your peak season cash flow.
How Bankable Structures Seasonal Capital
- Revenue-based repayment: Repayment is a percentage of daily deposits. When your revenue is low in slow months, payments are low. When your revenue peaks in high months, payments are higher but your cash flow supports them.
- Annual revenue analysis: We look at 12 months of bank statements to understand your full revenue cycle rather than any single month.
- Pre-season timing: We often fund seasonal businesses at the beginning of their ramp-up period — giving them working capital to prepare for peak season while repayment is structured around peak season revenue.
Common Seasonal Business Capital Needs
- Landscaping: Spring mulch, fertilizer, labor onboarding, and equipment — all before the main revenue season begins.
- Seafood processing: Pre-season dock purchasing capital and crew preparation before the crabbing and lobster seasons open.
- Resort and hospitality: Pre-season staffing, linen inventory, and marketing before the tourist influx begins.
- Holiday retail: Q4 inventory purchasing for retailers with strong holiday sales seasons.
Pre-Season Working Capital
Fund spring/summer preparation before peak revenue arrives. Repay during peak season.
Apply →Revenue-Based Funding
Payments flex with your daily revenue. Lower in slow months, higher in peak months.
Apply Now →Equipment Financing
Seasonal equipment purchases with longer repayment terms spread across multiple seasons.
Learn More →Frequently Asked Questions
Yes. Bankable funds seasonal businesses regardless of the owner's immigration status. Annual revenue and seasonal cash flow patterns are the primary criteria.
We analyze 12 months of bank statements to understand your full annual revenue cycle. We do not penalize seasonal businesses for slow months — we look at total annual revenue.
Repayment is a fixed percentage of daily bank deposits. In your slow season, deposits are lower so payments are lower. In your peak season, deposits are higher and payments are higher — but your cash flow supports them.
Yes. Pre-season working capital is one of our most common seasonal business products. We fund you at the beginning of your ramp-up period so you can prepare for peak season.
Seasonal capital ranges from $25,000 to $2,000,000 depending on your business's annual revenue, peak season cash flow, and the specific product.
The 2026 SBA rule eliminated non-citizen business owners from all SBA programs including those specifically designed for seasonal businesses. Bankable is private capital with no citizenship requirement.
12 months of business bank statements (to demonstrate the full seasonal cycle), your EIN, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.