Finance question
How do I fund seasonal cashflow gaps?
You use a revolving facility that covers the quiet months and is repaid when the busy season lands. Instead of a fixed loan, a line of credit or trade facility lets you draw during the lull and pay it back as revenue returns, so the slow period does not stall the business. Ventas arranges it across its lender panel, subject to lender assessment.
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The short answer
Bridge the lull, repay in the peak
Seasonal businesses have a timing problem, not a revenue problem. The money comes in during the busy stretch, but the bills, wages and stock keep coming all year. A revolving facility solves that mismatch by giving you cash to draw on through the quiet months, which you then repay as the peak season brings the income back in.
A revolving structure fits this far better than a fixed loan. Because you draw only what the lull actually needs and repay as trade picks up, you are not carrying a lump of debt through your strong months for no reason. A line of credit or a trade and stock facility both work this way, and the right one depends on whether the pressure is running costs or buying stock ahead of the season.
As a broker, Ventas is paid by the lender on settlement, so there is no upfront fee to you. We look at your seasonal pattern, when the money comes and goes, then match you to the lender whose facility fits that shape. The aim is a facility that breathes with your year rather than one that fights it, sized to your business and subject to lender assessment.
Do you qualify?
What makes a seasonal facility fundable.
A clear season
A predictable busy stretch the facility can repay against.
Year-round costs
Wages, rent or stock that run through the quiet months.
Trading history
A track record that shows the seasonal pattern.
Revenue to repay
Peak-season income the drawdown can be cleared from.
Why a revolving facility suits a season
Draw only in the lull
You use the facility when cash is tight, not all year round.
Repay in the peak
The busy season clears the drawdown and frees the limit again.
Ready next year
The facility stays in place for the following season without reapplying.
A real example
A tourism operator earns most of its income over summer but pays wages and rent all year. A revolving facility covers the winter shortfall, keeping staff and premises in place, then the summer takings repay the drawdown. The quiet season stops being a threat to the business and the limit is ready again for next winter. Illustrative only.
Common questions
Frequently asked questions
Why not just take a term loan?
A fixed loan makes you carry debt through your strong months. A revolving facility lets you draw only in the lull and repay in the peak.
Which facility is best for a season?
It depends on the pressure. A line of credit suits running costs, while a trade or stock facility suits buying stock ahead of the season.
Do I reapply every year?
Usually not. A revolving facility stays in place, so it is ready for the next quiet season without a fresh application.
Do I need property to set one up?
Not always. Some seasonal facilities are unsecured and sized to turnover, others are secured for a larger limit, subject to lender assessment.