Stock up, staff up and market early. For established businesses doing $60K+ a month that want capital ready before the busiest weeks.
Get ready earlyHoliday Season Funding
Holiday demand rewards the businesses that prepare. Funding is provided through our partner, Merchant Fund Express, based on your recent revenue.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application, about three months of statements and no tax returns. Funding in as little as 24 hours for qualified files.
FICO 500+ is considered with a soft pull to start. Strong seasonal deposits carry weight.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
The schedule is spelled out in your offer, so you can plan for the slower weeks after the holidays.
A gift shop owner orders ornaments in August. A bakery buys flour, butter, and packaging in bulk by early November. A catering company books extra staff and rents a second van for December parties. In every case, the spending comes first and the revenue follows weeks later.
Owners who have run a business through several holiday seasons know this rhythm well. What they may not have is enough cash on hand to carry it, especially if a personal credit setback has kept the bank at arm's length.
| When | What typically happens |
|---|---|
| Late summer | Supplier orders placed, early marketing planned |
| October | Hiring and training seasonal staff |
| November | Inventory arrives, payroll grows, promotions launch |
| December | Peak sales, cash starts flowing back |
| January | Returns, slower traffic, repayment continues |
Applying a few weeks before you need to spend gives you room to compare options calmly. That said, for qualified businesses, funding can arrive in as little as 24 hours if you are already in the middle of it.
These are repaid as a share of sales or deposits, so payments tend to rise in December and ease in January. More on seasonal revenue-based financing.
A limit you draw from as each holiday expense comes up. See the seasonal line of credit page.
A single lump sum for a known holiday budget, repaid on a set schedule.
Funding is provided through our partner Merchant Fund Express, with amounts from $25,000 to $5,000,000 for established businesses doing $60K or more a month. Have about three months of business bank statements ready; if last year's holiday months are outside that window, a short note about seasonality helps reviewers. No tax returns are required, FICO 500+ is considered, and the 5-minute application starts with a soft credit pull.
Ideally a few weeks before your first big holiday expense, so you can review offers without pressure.
Reviewers look at patterns. Explaining that your business is seasonal helps them read the summer months in context.
With products repaid as a share of sales or deposits, payments tend to follow revenue. Fixed-schedule products do not adjust.
No. Restaurants, caterers, salons, and service businesses with a holiday surge also use it.
No. Credit repair is a separate service. You can apply for funding based on revenue now.
Example uses for illustration only.
Get your statements in shape before the busy season starts.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding