Match repayments to your revenue cycle, not the calendar.
Hospitality, agriculture, tourism, retail — many sectors generate the bulk of their revenue in 4–6 months. Seasonal finance structures repayments around your trading pattern, not against it.
Common scenarios
- Funding pre-season stock or staffing for hospitality
- Investing in agricultural equipment ahead of harvest
- Building inventory for Q4 retail trading
- Maintaining cash flow through a known quiet period
How it works
- Share your 12-month trading pattern and current commitments
- We model repayment structures that flex with your season — step-up, balloon, or seasonal pauses
- Receive shortlisted offers from lenders comfortable with your sector
- Choose the structure that aligns repayments with your peak cash months
At a glance
- Typical amount: £25,000 – £500,000
- Typical term: 12 – 60 months
- Speed: 3 – 5 working days
Recommended products
- Business Loans
- Hire Purchase
- Refinance
Frequently asked questions
Can I genuinely skip repayments during quiet months?
Yes. Several lenders on our panel offer 'seasonal pause' agreements with 2–4 reduced-payment months per year, balanced by higher peak-season payments.
Does this cost more than a standard facility?
Slightly — bespoke structuring typically adds 0.5–1% to the headline rate.
What if my season is poor one year?
Talk to us early. Most lenders will agree a one-off payment holiday or term extension if you flag the issue before missing a payment.