Tips & Guides

How Seasonal Businesses Can Manage Cash Flow Year-Round

Published: November 29, 2025 | Merchant Fund Express

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If your business has busy and slow seasons, smart cash flow management is essential for survival and growth.

Build Reserves During Peak Season

Save a portion of your peak season profits specifically for slow months. Aim for 3-6 months of operating expenses in reserve.

Consider a Line of Credit

Secure a line of credit during your strong season when you're most likely to qualify. Use it during slow periods and repay when business picks up.

Diversify Revenue Streams

Can you add products or services that perform during your off-season? Many seasonal businesses find complementary offerings.

Negotiate with Vendors

Talk to suppliers about seasonal payment terms. Many are willing to work with established businesses they know will pay when season returns.

Plan Marketing for Slow Periods

Slow seasons are perfect for marketing initiatives. Use funding to invest in marketing that drives future sales.

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