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How to Get Funding for Your Seasonal Business

Many businesses experience some form of seasonality — whether that means one season is busier than others, week-to-week sales are inconsistent, or the industry itself is simply seasonal by nature. When business owners apply for funding with us, one of their top concerns is what happens if their sales are to drop — either short-term or for a prolonged period.

Luckily, our products are designed so that your repayment amount is based on your revenue and not a set dollar amount. While loans charge you a fixed number each month, Merchant Cash Advance (MCA) payments can fluctuate with your sales. This means more flexibility in repayment and more room to breathe.

When you take out funding with us, you sign a Future Receivables Sales Agreement (FRSA). This agreement states that your sales performance will be re-evaluated on a regular basis to ensure your daily payment amount is in line with the agreed-upon payment percentage. If your sales have deviated, we will adjust your payment amount accordingly. We even offer a self-service feature, allowing you to expedite this review process all on your own. 

Whether or not an MCA is right for your business is really up to you. Do you prefer a financial product that has flexibility in repayment and can fluctuate as your situation fluctuates, or would you rather pay the same fixed amount every month?

We know obtaining business funding can be difficult — after all, there are numerous products available, each with their own advantages. That’s why we work hard to continue educating our audience on the specifics and benefits of our products.

Not sure whether MCA is right for your business? Let’s chat! We understand that each business has its own unique history and set of needs, and our products are not necessarily the right choice for every business owner. Our main goal is simply to support small businesses. We’re always here to offer guidance and help you understand which product will work best for your needs at this time.

If you wish to speak to someone now, please call us at 888-382-3945 or click here to send us an inquiry. One of our teammates will get back to you as soon as they are available.


Revenue-Based Finance is formerly and alternatively known as Merchant Cash Advance, or MCA.