When deposits dip but payroll and rent do not, established businesses doing $60K+ a month can apply for working capital to bridge the gap.
Cover my slow monthCash flow for the off-season
A seasonal dip is a timing problem, not a business problem. Apply for slow month cash flow funding through our partner, Merchant Fund Express.
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.
Funding in as little as 24 hours for qualified businesses. About 3 months of statements, no tax returns, and a 5-minute application.
FICO 500+ considered and a soft pull to start. Your deposit history across the year carries real weight.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can map it against your busy season.
If you have run a company for a few years, you know the calendar. A landscaping firm feels January. A tax-prep office feels August. A wholesale distributor waits on net-60 invoices while its own bills come due on the first. None of that means the business is weak. It means cash arrives on a different schedule than expenses do.
Slow month cash flow funding is built for exactly that mismatch. It gives an established business, typically one doing $60,000 or more a month on average, a cushion to keep operating normally until the stronger months return.
If payroll is the pressure point, our page on funding for payroll goes deeper.
| Option | How it works | Fits when |
|---|---|---|
| Working capital | A lump sum repaid on a set schedule | You know roughly how big the gap is |
| Line of credit | Draw what you need, when you need it | Slow months repeat each year |
| Merchant cash advance | An advance against future sales, repaid from receipts | Your revenue is mostly card or daily sales |
Each product has its own cost and repayment pattern, and you will see the specifics in any offer before you accept anything.
Owners who come to Eagle often have a personal score that lags behind what the company has become. Funding through our partner Merchant Fund Express looks at the business itself: about three months of business bank statements, consistent deposits, and how the account is managed. FICO scores from 500 are considered, and no tax returns are required.
Credit repair is a separate service. You do not need it to apply for funding, and funding does not change your score. Many owners simply apply now based on revenue and work on personal credit on their own timeline. For more on that balance, read how revenue offsets credit.
The best time to arrange slow-month funding is a few weeks before you need it. For illustration, a catering company that knows February runs 40 percent lighter could apply in January, have a decision quickly, and use the money to keep its kitchen staff on through the dip. Funding can arrive in as little as 24 hours for qualified businesses, but planning ahead removes the stress entirely.
The 5-minute application starts with a soft credit pull, so checking your options does not put a hard inquiry on your report.
Funders generally review about three months of statements, so one slower month is viewed alongside the stronger ones around it.
Funding through Merchant Fund Express ranges from $25,000 to $5,000,000. The amount offered depends on your revenue and bank activity.
If your slow period repeats every year, a line of credit lets you draw only what you need. For a single known gap, a lump sum of working capital can be simpler.
No. Credit repair and funding are separate. You can apply based on business revenue now, and FICO scores from 500 are considered.
Yes. Sole proprietors can apply, as long as the business has steady deposits in a business bank account.
Example uses for illustration only.
A few habits can make a slow-month request look stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding