Key Takeaways
- Bankable evaluates your full annual revenue cycle, not just the current month's performance
- Seasonal capital from $25K to $300K available 60-90 days before your peak season
- No green card required — your EAD and annual revenue history are sufficient
- Common seasonal industries: landscaping, agricultural supply, tourism, tax prep, construction
- Repayment concentrated in peak-season months when revenue is strongest
Seasonal businesses face a unique funding paradox: they need capital most precisely when their current revenue is lowest. A landscaping company needs to buy equipment and hire crews in February — when January bank statements show minimal revenue. A Christmas tree lot needs inventory capital in October — after a slow summer. A tax preparation service needs marketing capital in November — before January's filing rush generates any revenue.
Traditional lenders evaluate the bank statement at the moment of application. Bankable evaluates your full annual revenue cycle — including your peak season performance, your year-over-year trends, and your documented customer contracts or recurring revenue. This allows us to fund your pre-season capital need based on what your business actually earns, not what it earns in your slowest months.
Seasonal Industries Bankable Funds
- Landscaping and lawn care: Spring/summer peak — pre-season equipment and hiring capital needed in February-March
- Snow removal: Winter peak — October-November preparation capital
- Agricultural support: Harvest season capital for equipment, labor, and transportation
- Construction: Spring/summer peak — pre-season equipment financing and bid bond capital
- Tax preparation services: January-April peak — November-December marketing and staffing capital
- Catering and event services: Holiday season — September-October preparation capital
- Retail: Holiday season — September-November inventory capital
Apply at Bankable's Bankability Score. Also see our guide on working capital lines for ongoing seasonal management.
Frequently Asked Questions
We analyze 12 months of bank statements to understand your full revenue cycle. We use your peak-season revenue as the primary underwriting input, not just the month you happen to apply.
Apply 60-90 days before your peak season begins. This gives Bankable time to process the application and gives you time to deploy the capital before your season starts.
One complete seasonal cycle (12 months) is sufficient to demonstrate the pattern. If you have 18+ months, we use a 2-year average.
Yes. Many Bankable clients renew their seasonal capital annually. Existing clients with strong repayment history qualify for larger advances and better terms in subsequent years.
We structure repayment to concentrate in your peak season — higher daily repayment percentages during peak months, lower percentages during off-season.
$10,000 average monthly revenue during your peak season. Off-season months may be substantially lower.
Yes. Pre-season inventory purchases are one of the most common uses of seasonal capital.
12 months of business bank statements, your EAD, and EIN. For agricultural businesses, we also accept crop contracts or harvest agreements as supplemental revenue documentation.