
How to Structure a Working Capital Loan for Seasonal Businesses
Seasonal businesses must align working capital loan structures with their revenue cycles to maintain financial stability during slow months. This means forecasting cash flow needs, choosing flexible options like revolving credit lines or SBA Seasonal CAPLines, and negotiating terms such as interest-only payments during off-peak periods. Proper planning, organized financial records, and early application—ideally 2–3 months before the busy season—are key to securing the right financing.
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