funding recommendations for seasonal business acquisition?

searcher profile

March 24, 2025

by a searcher from The University of Michigan - Stephen M. Ross School of Business in Chicago, IL, USA

Looking for recommendations for any bank/lender/financing opportunity that provides more flexible debt servicing terms for seasonal businesses (e.g. the majority of cash flow is recognized in Q4 and Q1).

Any help is greatly appreciated!

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commentor profile
Reply by a lender
from University of Southern California in Los Angeles, CA, USA
I’d love to help you find the right SBA lender for this deal. We work with all the major SBA lenders. The bank pays us after your loan closes, so this is a 100% free service for you. I have helped clients get financing for other seasonal businesses (including a business that had an election seasonality and only cash flowed once every 2 years). You can reach me here or directly at redacted You can also click here to schedule a meeting with me: https://cal.com/ishan-jetley-3d73m8/30min. Look forward to chatting!
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Reply by a searcher
from University of Minnesota in San Diego, CA, USA
I have had success in the past with a large traditional bank funding a seasonal business. The trick is that the banking team needs to have an understanding of that specific business model. Find a partner that knows the industry. They'll work with you to get the right tools in place to handle the seasonal swings.
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