2 min read
Definition
Seasonal financing is short-term funding structured around a business’s trading calendar — for example, buying stock ahead of a Christmas peak, or covering fixed costs through a quiet winter, repaid when takings recover.
In plain terms
If you can name your busy and quiet months, you can finance them deliberately instead of scrambling. The dip is a plan, not a surprise.
Why it matters for your company
A flexible revolving facility matches this pattern, costing nothing in-season when the balance is repaid. Size the buffer with the seasonal cash buffer calculator.
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