How do trades businesses get funding during slow season?

Winter kills outdoor work. Rain stops roofing. January and February drain everyone after holiday spending. Your revenue drops 30-50% but your fixed costs stay the same. Truck payments, insurance, shop rent, base payroll. All due whether jobs come in or not.

How we evaluate slow season trades businesses:

We look at 4 most recent months of bank statements. If your average monthly deposits hit $10K+, you likely qualify.

We understand seasonality. A contractor doing $15K in October, $20K in November, $25K in December, and $8K in January still averages $17K. That qualifies.

What trades businesses use slow season funding for:

Covering the gap between overhead and reduced revenue. Keeping your core crew employed so you don't lose them. Stocking up on materials before busy season returns. Marketing to line up spring jobs. Equipment repairs you've been delaying.

The reality of seasonal businesses:

Most big banks see a slow month and decline you. Contractors that use us during slow months stay operational. They get the funding they need right away, when they need it. That means they keep their crew and their reputation. Most importantly, they're ready when busy season returns. The ones that wait too long end up shutting their doors unnecessarily.