Key Takeaways
- Seasonal businesses need capital before peak season revenue arrives — Bankable provides it
- Revenue-based repayment naturally aligns with seasonal cash flow patterns
- 48-hour decisions let TN holders capitalize on seasonal buying windows
- No green card or SBA seasonal line of credit required
- Pre-season draws and mid-season top-ups both available from Bankable
Seasonal businesses face a cash flow paradox: their biggest expenses (inventory, staffing, marketing) occur before their biggest revenue arrives. For TN visa holders operating seasonal businesses — from landscaping and construction to holiday retail and tourism — Bankable's seasonal working capital solves this timing problem without requiring immigration-based loan eligibility.
Why Seasonal Businesses Need Specialized Capital
A TN-owned landscaping company in Michigan generates 80% of its revenue between April and October. Yet the company must: hire and train crews in March, purchase equipment and supplies in February, and market aggressively in January. The capital for all of this precedes the revenue by 60-90 days. Without a seasonal working capital facility, the owner depletes personal savings or foregoes growth — neither optimal.
Bankable's seasonal capital is drawn before peak season and repaid during peak season, creating a natural cash flow alignment. Revenue-based repayment means your daily payment is higher during your high-revenue months and automatically lower during your off-season.
Seasonal Industries Where TN Holders Use Bankable Capital
Landscaping and lawn care: Pre-season equipment, supplies, and staffing. Construction: Spring/summer project mobilization capital. Holiday retail: Inventory buildout for Q4 selling season. Tourism and hospitality: Summer staffing and property preparation. Agricultural: Seed, equipment, and labor for planting season. Tax preparation: January-April staffing surge for CPA practices. Event planning: Wedding season capital for vendors and contractors.
Check your Bankability Score to see your seasonal capital facility size based on prior year revenue.
Pre-Season vs. In-Season Draws
Bankable's seasonal facility is structured as a revolving line that you can draw from at multiple points in the seasonal cycle. A pre-season draw covers startup costs (hiring, supplies, marketing). A mid-season top-up covers unexpected demand surges or opportunities. Both draws are repaid from peak season revenue. The facility resets for the following year, with your limit typically increasing as your prior season's revenue grows.
How Prior Year Revenue Determines Your Seasonal Facility
Bankable underwrites seasonal capital based on your prior year's peak-season revenue and your trailing off-season bank statements (to verify business continuity). A landscaping business that generated $600K in its last operating season may qualify for a $150K-$300K seasonal facility — sufficient to staff up and stock up for the coming season without depleting working capital.
Learn more about Bankable's revolving working capital products.