Seasonal Business Funding UK 2025
Finance options for seasonal businesses. Flexible repayment during off-peak months, stock finance for summer, winter cash flow support.
Funding Options for Seasonal Businesses
Best options:
- Merchant Cash Advance: Repayment flexes with sales (perfect for seasonal patterns)
- Seasonal overdraft: Use only during peak, repay in season
- Stock finance: Fund summer stock, repay from sales
- Tourism-specific lenders: Understand seasonal cash flow
Seasonal Business Types
- Tourism & hospitality: B&Bs, hotels, attractions (peak summer)
- Garden centers: Peak spring/summer
- Ice cream vendors: Summer trading
- Christmas businesses: Oct-Dec peak
- Beach businesses: Summer season
Flexible Repayment Options
Merchant Cash Advance benefits for seasonal businesses:
- Repay 10-20% of daily sales
- Low sales in winter = low payments automatically
- High sales in summer = faster repayment
- Factor 1.2-1.4 typical for seasonal (lower than average due to predictability)
Managing Winter Cash Flow
Strategies:
- Build cash reserves during peak season (save 30% of summer profits)
- Seasonal overdraft for quiet months
- Diversify revenue (add winter services)
- Equipment finance during off-season (preparation for next year)
Get Seasonal Business Funding
We understand seasonal cash flow patterns. Compare flexible funding options that adapt to your peak and off-peak cycles.
Compare Seasonal Finance