Draw what the season calls for, repay as revenue comes in, and draw again next cycle. For established businesses doing $60K or more a month.
Explore a lineLine of Credit
A business line of credit through our partner, Merchant Fund Express, gives seasonal owners access to capital they can tap as the year unfolds.
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.
Tap the line for pre-season stock or a slow stretch, and leave the rest available for the next turn.
Qualified businesses can be funded in as little as 24 hours. A 5-minute application, about 3 months of statements.
FICO 500+ is considered, with a soft pull to start. Seasonal revenue history carries weight.
Your offer shows repayment details and total cost before you accept, so there are no surprise costs later.
A business line of credit gives you access to a set amount of capital. You draw what you need, when you need it, and you generally pay costs only on what you have drawn. As you repay, that portion becomes available again. It works like a reserve you can tap rather than a one-time lump sum.
For seasonal businesses, that flexibility is the main appeal. Funding is provided through our partner Merchant Fund Express.
Picture a year for a landscape design firm. In late winter it draws to buy plants and stone and to bring crews back. Through spring and summer, project payments come in and the balance comes down. In fall it may draw a smaller amount for leaf and cleanup work. By winter the line sits mostly unused, ready for next year.
That pattern applies to many operators: holiday retailers, HVAC companies heading into summer, ski rental shops, and event venues before wedding season.
| Line of credit | Revenue-based financing | |
|---|---|---|
| How funds arrive | Draw as needed, up to the limit | One lump sum |
| How it is repaid | Repay drawn amounts; availability restores | Share of revenue or deposits until the fixed total is paid |
| Best for | Recurring, uneven needs | A single, defined seasonal push |
Read more on seasonal revenue-based financing or compare working capital vs. a line of credit.
The review centers on about three months of business bank statements. Funders typically weigh deposit consistency, average balances, and current obligations. FICO 500+ is considered. If your statements fall in an off-peak stretch, be ready to explain your seasonal pattern. See credit score for a business line of credit for more.
Built for established businesses doing $60K or more a month on average, including sole proprietors, whose personal credit may not match the strength of the business. Amounts range from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
The application takes about five minutes, starts with a soft credit pull, and requires no tax returns. Eagle's credit repair services are separate from funding and are not needed to apply.
You draw only what each phase of the season requires, repay as revenue arrives, and the repaid amount becomes available to draw again.
Generally you pay costs only on what you draw. Confirm the details in your specific agreement.
Seasonality is weighed in context. Be ready to explain your annual pattern.
Ask how your specific line handles periods with little or no activity. Many seasonal owners keep a line mostly unused in slow months and draw again before the next peak.
Funding options range from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
Seasonal owners can make a line easier to review with a few steady habits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding