Why not just use my bank line of credit?

You should, first. The issue is usually sizing: bank lines are set off trailing average revenue, which structurally under-serves a business that earns most of its money in one quarter. Seasonal facilities sit alongside a bank line to cover the peak, and go dormant the rest of the year.

Can this be repaid entirely from the season?

That is the intended design. Terms are usually set so the facility retires from the sell-through it funded, rather than carrying into the next cycle. Some operators keep the facility open year to year and simply redraw each season.

Does the inventory serve as collateral?

Often, yes — inventory and the resulting receivables typically secure the facility. That is generally cheaper than an unsecured structure, and it fits the use case because the collateral appears at exactly the moment the money is drawn.

We import from overseas. Does that change anything?

It changes the timing, not the structure. Import cycles add 30-60 days of transit before goods can sell, so we size the term to the full purchase-to-cash cycle rather than to the sales window alone.

Buy early, sell later

Working Capital for a Seasonal Inventory Build

Seasonal businesses spend their worst cash month buying the inventory that produces their best revenue month. A retailer writing October purchase orders for December sell-through is at maximum cash strain precisely when the year's outcome is being decided. Under-buying to protect cash is the most expensive mistake in this category — it caps the season at the level of your bank balance rather than the level of your demand.

Quick answer

Working capital for seasonal inventory builds. Fund a Q3 buy for a Q4 sell-through without draining cash. $100K to $10M, funded in 5-10 business days.

Get a structure for this situation

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You are probably here because

Your suppliers want deposits or payment at production, months before your customers pay you

Last season you left revenue on the table because you could not fund the full buy

Overseas suppliers require wire on shipment, adding 30-60 days of transit before goods are even sellable

Your bank line was sized off last year's revenue and this year's demand is bigger

How we structure it

Facility size$100K – $10M

Term6 – 24 months, aligned to the sell-through cycle

Draw timingFunded against POs and supplier invoices as the buy is placed

Time to fund5 – 10 business days

What we need to give you an answer

Have these together and you will know where you stand in 24-48 hours instead of three weeks.

Trailing 12 months of revenue showing the seasonal shape — the peak is the argument, not a weakness

Purchase orders or supplier invoices for the buy being funded

Sell-through history from the prior one or two seasons

Where the goods sit and who holds title during transit for imported inventory

How it played out

A holiday buy sized to demand instead of to cash

An outdoor-products brand doing $14M annually generates 61% of revenue between October and December. Their bank line of $1.5M was sized on trailing twelve-month average revenue, not on the Q4 shape, so they had been cutting the fall buy by roughly 20% every year. We put a $3M seasonal facility in place in August, drawn against supplier invoices as containers shipped and repaid from December and January receipts. They bought the full assortment and finished the season up 27% on the prior year.