Why speed matters here
Harvest, ski season, summer holidays and the Christmas rush all concentrate revenue into a few months, while costs run all year. Seasonal finance lets you prepare properly and ride out the quiet stretch without stress.
How we can fund it
Property-secured
Farms and rural businesses can borrow larger amounts against land, repaid from harvest or sales.
Up to $5M · as little as 24 hrs · no financials
Cash-flow loan
A line of credit is ideal: draw in the quiet months and repay in the busy ones.
From bank statements · as little as 2 hrs
What helps us move fastest
- Your seasonal pattern
- 12 months of bank statements (if available)
- Upcoming costs
- Property details (rural or larger loans)
A ski-season business in the Snowy Mountains
A Jindabyne hire shop needs stock, staff housing and marketing in April and May, but its revenue lands from June to September. A line of credit is drawn each autumn and cleared by spring.
Frequently asked questions
Can seasonal businesses get fast loans?
Yes. We read your bank statements across the year, so seasonal patterns are understood, not penalised.
Is a line of credit better for seasonal businesses?
Usually, yes. You only pay interest in the months you use it.
Can farmers borrow against their land?
Yes. Rural property can secure larger loans with repayments timed to harvest or sales.
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
