How do restaurants get funding during slow season?
Winter kills beach towns. Summer crushes ski lodges. January and February drain everyone after holiday spending. Your revenue drops 30-50% but your fixed costs stay the same. Rent, insurance, utilities, base payroll. All due whether customers show up or not.
How we evaluate slow season restaurants:
We look at 4 most recent months of bank statements. If your average monthly deposits hit $10K+, you likely qualify.
We understand seasonality. A restaurant doing $15K in October, $20K in November, $25K in December, and $8K in January still averages $17K. That qualifies.
What restaurants use slow season funding for:
Covering the gap between rent and reduced revenue. Keeping your core team employed so you don't lose them. Stocking up on inventory before busy season returns. Marketing to drive off-season traffic. Equipment repairs you've been delaying.
The reality of seasonal businesses:
Most big banks see a slow month and decline you. Restaurants that use us during slow months stay open. They get the funding they need right away, when they need it. That means they keep their staff and their reputation. Most importantly, they're ready when busy season returns. The ones that wait too long end up shutting their doors unnecessarily.
Looking for more restaurants funding information? Explore all restaurant business loans →
