For seasonal businesses, cash flow rarely follows a straight line. Restaurants experience off-peak months, retailers navigate uneven sales cycles, and construction contractors depend on weather and project timing. Yet traditional lenders still demand fixed monthly payments regardless of revenue. FundKite is challenging that model with Working Capital Loan alternatives designed to flex with daily sales and protect businesses during slow periods.
Conventional working capital loans require the same payment every month, even when revenue dips. During off-seasons, those fixed obligations can strain cash reserves, force difficult operational decisions, or put payroll at risk. FundKite’s revenue-based approach offers a different path - one that adjusts repayment in real time based on actual performance.
“If your revenue goes down 50%, your payment is going to go down 50%,” said Justin Solomon, Chief Revenue Officer of FundKite. “This is really important to helping merchants feel comfortable knowing their cash flow is never going to be hurt.”
Rather than issuing a traditional loan, FundKite purchases a portion of a business’s future receivables. Repayment is calculated as a fixed percentage of daily sales, not a fixed dollar amount. When sales are strong, payments increase proportionally. When sales slow, payments decrease. If sales drop to zero, the payment is zero.
“When your business does well, you’re going to pay more. When times are slow, you’re going to pay less. When you have no sales, you have no payment at all - it’s that simple,” Solomon explained.
This structure acts as a financial safety net, especially for industries with fluctuating income. Seasonal businesses can maintain stronger cash reserves during slower months, ensuring they remain operational and prepared for the next busy cycle. Instead of worrying about how to cover a fixed payment during a downturn, owners can focus on staffing, inventory, and long-term planning.
FundKite’s Working Capital Loan alternatives also represent a shift in philosophy. Because repayment is directly tied to sales, the funder’s success is aligned with the merchant’s success. If the business thrives, repayment accelerates. If the business slows, the burden eases. This partnership approach contrasts sharply with traditional lenders that collect the same payment regardless of business performance.
For restaurants, retail stores, and construction contractors, this flexibility can be transformative. A slow winter month or unexpected weather delay no longer carries the same financial risk when repayment adapts automatically. Business owners gain breathing room without renegotiating terms or requesting extensions.
As economic conditions remain unpredictable, flexibility has become just as important as access to capital. FundKite’s revenue-based Working Capital Loan alternatives are designed to meet businesses where they are - acknowledging that revenue ebbs and flows and financing should do the same.
By replacing rigid payment schedules with performance-based repayment, FundKite is redefining how seasonal businesses manage working capital. The result is funding that supports stability during slow seasons and growth during peak periods - without forcing businesses into one-size-fits-all debt structures.
For more information about FundKite and its flexible Working Capital Loan alternatives, visit www.fundkite.com.
Media Contact
Name
FundKite
Contact name
Alex Shvarts
Contact phone
(877) 502-5003
Contact address
2 S. Biscayne Blvd #2350
City
Miami
State
FL
Zip
33131
Country
United States
Url
https://fundkite.com/
