Earn the year in a few busy months? Remittances tied to deposits can ease off when sales slow. For established businesses doing $60K+ a month.
Plan my seasonSeasonal Businesses
Seasonal revenue-based financing through our partner, Merchant Fund Express, ties remittances to deposits so repayment can move with your calendar.
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.
Remittances are tied to your revenue, and the way it works is laid out in your offer before you accept.
Qualified businesses can be funded in as little as 24 hours, so stock and staff are ready before peak season.
FICO 500+ is considered with a soft pull to start. Your seasonal revenue history carries weight.
The full repayment amount is shown in your offer before you sign, so off-season budgeting holds up.
Every seasonal operator knows the pattern. Spending ramps up before the busy months: inventory, staff, equipment, marketing. Revenue arrives later, often all at once. Then the slow stretch tests how well the cash was managed. A fixed monthly loan payment ignores that rhythm and lands with the same weight in February as in July.
Revenue-based financing is an advance repaid as a share of your revenue or deposits. When deposits rise in peak season, remittances rise with them. When things slow, remittances generally follow deposits down. The total cost is fixed up front, so the overall amount you repay does not change based on timing. Ask how remittances are calculated and adjusted in your specific agreement.
| Business | Typical pre-season need |
|---|---|
| Pool service and supply | Chemicals, parts, and spring hiring |
| Snow removal contractor | Salt stockpile and plow maintenance |
| Garden center | Spring plant and hardscape inventory |
| Tax preparation office | Seasonal staff and software ahead of filing season |
| Coastal restaurant | Staffing and stock before summer traffic |
The common thread is timing. Each of these owners knows roughly when the money will come in, but the bills for getting ready arrive months earlier.
The review looks at about three months of business bank statements, so timing matters. Applying right after a strong season shows the business at its most active. Applying in the slowest stretch may present a thinner picture, though a reviewer can see the pattern for what it is. Be ready to explain your seasonality briefly. Built for established businesses doing $60K or more a month on average; ask about how your annual pattern is considered.
For a flexible draw-as-needed option, see the seasonal business line of credit. For off-season gaps, see slow-month cash flow funding.
Amounts range from $25,000 to $5,000,000. FICO 500+ is considered, the process starts with a soft credit pull, and no tax returns are required. Qualified businesses can be funded in as little as 24 hours through our partner Merchant Fund Express. Apply in about five minutes.
Eagle's credit repair services remain separate from funding and are not required to apply.
Because remittances are a share of revenue or deposits, they generally follow your deposits down when business slows. Confirm the exact mechanics in your agreement.
Many seasonal owners apply after a strong stretch or ahead of the pre-season ramp. The review uses about three months of bank statements.
Seasonality is weighed in context. Be prepared to explain your annual pattern so the reviewer sees the full picture.
From $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
Yes. Owners commonly use seasonal revenue-based financing for inventory, staffing, equipment upkeep, and marketing ahead of their busy months, then repay as peak-season deposits arrive.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
Seasonal files read best when the full cycle is easy to see.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding