SEASONAL
BUSINESS
INVENTORY FINANCING
Funding as low as 1% per month
Kickfurther offers seasonal business financing that covers up to 100% of your inventory costs, with flexible terms, so you don’t pay until your products sell. Use it each time you place a new order, keeping your capital free to grow your seasonal business without taking on debt or giving up equity.
- Often 30% less expensive than other lenders and factors
- Quickly secure $5,000,000+ in inventory funding
- Custom payment schedules available (1–10 months)
- No payments until sales generate revenue
- Often 30% lower cost than alternate lenders & factors
- Quickly fund $5,000,000+ in inventory
- Create a custom payment schedule (1-10 months)
- Fund inventory with no payments until revenue lands
What Is Seasonal Business Financing?
Running a seasonal business means your revenue isn’t always consistent, but your expenses usually are. Whether it's covering payroll, stocking up for the next rush, or managing overhead, the financial pressure doesn’t pause just because sales slow down. Seasonal business financing helps by giving you access to cash when your sales aren’t enough to cover expenses. Instead of waiting for sales to pick up, seasonal business financing lets you keep things moving, grab early deals from suppliers, and stock up on inventory before demand grows. It creates a buffer so you’re not forced to cut corners, delay purchases, or miss growth opportunities during the off-season.
Who Can Benefit from Seasonal Business Financing?
Some businesses only operate during certain seasons, while others stay open year-round but have busy and slow periods. Many of these businesses can qualify for seasonal business financing, provided they meet the lender’s requirements. Since eligibility varies depending on the type of financing and the provider, it’s important to review the criteria before applying. Below are some types of businesses that often need seasonal funding:
Outdoor & Adventure Brands
Outdoor and adventure brands may see a dip in sales during the winter, for example, but seasonal business loans can help them to stay afloat until warmer weather arrives.
Sporting Goods Stores
These businesses often face slower sales during certain seasons, like summer, when demand for new equipment drops.
Holiday Specialty Stores
From Halloween costume pop-up shops to Christmas tree farms, some seasonal businesses operate only during a specific time of year. These businesses often need funding to cover everything from initial setup to stocking sufficient inventory.
Why Seasonal Businesses Turn to Financing
If you run a seasonal business, you know the highs and lows can strain your cash flow. Here are some common reasons seasonal business owners seek out funding — and how it helps.
The Advantages of Seasonal Business Financing
Cover slow-season expenses
During off-peak months, revenue may dip, but rent, utilities, and other fixed costs still need to be paid. Financing helps you stay current without draining savings.
Boost cash flow stability
A funding cushion helps balance inconsistent income cycles, so you can meet obligations and avoid cash crunches.
Stock up before busy times
Seasonal peaks need plenty of inventory. Financing gives you the money upfront to get ready without hurting your budget.
Pay your team on time: Employees expect steady pay, even if sales slow down. Financing helps you keep paying staff without problems.
Cover unexpected costs
Breakdowns, last-minute supplies, or bad weather can cause issues. Extra funds let you handle these without stress.
Improve or fix things during off-season
Use quieter periods to upgrade equipment, make repairs, or boost marketing so you’re ready when business picks up.
Keep up with bills
Paying vendors on time keeps your business running smoothly. Financing ensures you don’t fall behind.
Build and protect your credit
Using financing responsibly can improve your credit, making it easier to get better loans later.
Financing Options for Seasonal Businesses
Seasonal businesses have a unique challenge: their income goes up and down throughout the year. This can make it hard to get traditional loans, since lenders usually want steady cash flow and regular payments. Luckily, there are financing options designed to help businesses that have busy and slow periods. Knowing your choices can help you pick the best way to keep things running smoothly and grow your business, even during slow times.
Bank Loans
Sometimes, banks can offer seasonal business loans with repayment plans that fit your busy and slow seasons. However, these loans often require strong credit, collateral, and steady income projections — criteria seasonal businesses may struggle to meet. Also, monthly payments are often fixed, which might put pressure on your budget during quiet months.
SBA Loans
The Small Business Administration offers loans that can help seasonal businesses get ready for busy times or bounce back from setbacks. These loans often have lower interest rates and better terms, but applying takes time and paperwork. They might not be the fastest option when you need cash quickly.
Lines of Credit
A line of credit lets you borrow money when you need it and only pay interest on what you use. This flexibility can be great for covering expenses during slow months. But getting approved depends on your credit, and if you keep a balance for a long time, interest costs can add up.
Merchant Cash Advances
This option gives you quick cash based on your expected future credit card sales. It’s fast and easy to access, but usually comes with higher fees. If your sales don’t go as planned, paying it back can become expensive, so it’s important to understand the terms.
Crowdfunding or Peer-to-Peer Lending
Online platforms connect you with individual investors who want to support your business. This can be a flexible and fast way to get funding, but it depends on how well you can promote your business and keep your supporters happy.
Inventory Financing
Inventory financing is a smart way to fund the stock you need before your busy season. Repayment is often tied to sales, which helps preserve cash flow during slower months. It’s especially useful for seasonal businesses because it aligns directly with inventory needs and revenue timing, making it a practical and accessible option compared to traditional debt-based funding.
Get Seasonal Business Financing with Kickfurther
Seasonal business financing can be one of the toughest challenges for small businesses. You need to buy large quantities, cover shipping and storage costs, and manage cash flow — all before your sales pick up. Kickfurther was created to solve these exact problems.
How Kickfurther Helps Seasonal Businesses Thrive
Founded in 2014 by entrepreneur Sean De Clercq, Kickfurther grew out of the frustration many business owners face when trying to find affordable, flexible seasonal business financing. Since then, it has helped brands fund over $100 million in inventory — often within minutes or hours.
Kickfurther offers more than just capital. It provides a tailored funding experience designed specifically for seasonal businesses:
Flexible payment terms
Set your own repayment schedule based on projected sales. You don’t pay until your inventory starts selling.
Lower costs
Get funding at up to 30% lower cost compared to traditional options.
No immediate repayments
Free up cash when you need it most.
Non-dilutive support
You keep full ownership. Kickfurther doesn’t take equity.
No debt
This isn’t a loan. There’s no debt on your books, which means no impact on your valuation or borrowing power.
Where you've seen us
- Open Your Free Account Sign up and create your business profile. Upload your company details and submit a deal when you're ready to raise inventory funding.
- Get Funded Quickly Once your deal is approved, it goes live to Kickfurther’s community. Most deals are funded within 24 hours — many in just minutes — so you can keep moving without delay.
- Set Terms That Work for You Kickfurther pays your supplier directly to start production. You define your expected sales timeline and create a repayment schedule based on when your inventory will sell.
- Finish and Fund Again Make payments as your products sell. Once your deal is complete, you’re eligible to raise again — often at better terms and faster funding the next time around.