Key Takeaways
- Seasonal businesses owned by VAWA petitioners qualify for pre-season capital advances
- Repayment is automatically higher during peak season and lower during off-season with revenue-based financing
- Food service, retail, landscaping, hospitality, and holiday businesses all eligible
- No green card required — EAD and seasonal revenue pattern documentation sufficient
- Pre-season capital allows you to invest in inventory, staffing, and marketing before revenue arrives
Seasonal businesses face a capital challenge that is structurally different from year-round operations: you must invest in preparation months before revenue arrives. A landscaping company must buy equipment and hire crew in March for a season that starts in April. A holiday retail business must purchase inventory in September for sales that happen in November and December. A catering company must hire staff and buy equipment in January for a spring wedding season that starts in March.
Traditional lenders are uncomfortable with seasonal revenue patterns because they look like instability. Bankable understands seasonal businesses deeply — we evaluate annual average revenue and structure repayment around actual cash flow cycles rather than requiring level monthly payments that ignore seasonal reality. Revenue-based financing that automatically adjusts to your season is the ideal product for seasonal VAWA-owned businesses.
Seasonal Industries Bankable Serves
- Landscaping and Lawn Care: Spring/summer peak, winter capital bridge
- Retail (Holiday): Q4 inventory build, January–March bridge
- Food Service (Summer): Beach, park, and festival season catering
- Hospitality: Summer or winter tourism peaks, off-season bridge
- Tax Preparation: January–April peak, May–December bridge
- Event Planning (Wedding Season): Spring and fall peaks, winter bridge
- Agriculture: Harvest season, planting season capital
Frequently Asked Questions
No. Bankable does not require a green card, US citizenship, or permanent residency. A valid Employment Authorization Document (EAD), business EIN, and 4 months of documented business revenue are the primary requirements.
Bankable issues funding decisions within 48 hours of a complete application. Funds reach your business bank account within 3 to 7 business days of approval.
No. Business financing is a lawful commercial activity. Bankable does not report to USCIS or any immigration agency. Your petition and your business financing are entirely separate matters.
We evaluate 12-month trailing average revenue rather than individual monthly minimums. A landscaper generating $40,000/month for 6 months and $5,000/month for 6 months has $22,500 in average monthly revenue — the basis for our evaluation.
Yes. Pre-season advances for inventory, staffing, and equipment are structured based on your prior-year seasonal revenue history. You borrow before the season begins and repay during the peak revenue period.
Revenue-based financing repayment automatically decreases proportionally to revenue. If your off-season revenue is 20% of peak season revenue, your monthly repayment will be approximately 20% of peak-season payments. No fixed monthly minimums that ignore seasonality.
Yes. Winter bridge capital for landscaping companies — covering crew retention, equipment maintenance, insurance, and overhead during the December–March slow period — is one of our most common seasonal products.
Two or more seasons of documented revenue makes seasonal qualification much stronger. We can identify your average seasonal pattern clearly and structure financing that accounts for your specific seasonal peaks and troughs.