Invoice Finance for Seasonal Businesses

How to Smooth Out Cashflow Spikes Without the Stress

Running a seasonal business can feel like riding a rollercoaster — intense highs during peak months, and frustrating lows when things quiet down. While the busy periods might bring in the bulk of your revenue, the quieter months can still bring costs, commitments, and cashflow challenges that don’t hit pause just because business does.

Fireworks - a very seasonal business — Invoice Finance for Seasonal Businesses

At 12s Finance, we understand the unique needs of seasonal B2B businesses. And we know that when you pair invoice finance with a lender that gets your seasonal rhythm, it can be a total game-changer.

Let’s break it down.

Why Seasonal Businesses Struggle with Cashflow

Many B2B industries don’t follow a steady, predictable pattern. Instead, they experience revenue surges followed by quieter months, which can make managing cashflow feel like a juggling act. Here are a few examples:

Event suppliers often see spikes around summer festivals or end-of-year functions, but quieter periods in between.
Wholesale distributors supplying retail see peaks in the run-up to major holidays and promotional events.
Construction firms tend to be busier in spring and summer, when weather conditions are more favourable.
Hospitality suppliers (think linen services, catering wholesalers, or maintenance contractors) ramp up when tourism peaks, then drop off in off-seasons.

In all of these sectors, the work doesn’t stop when the invoices go out — but the cash might.

If your clients take 30, 90, or even 120 days to pay, that delay can leave your business cash-starved during the times you need it most.

The Invoice Finance Advantage

Invoice Finance, such as Invoice Factoring and Invoice Discounting, allows you to unlock the cash tied up in outstanding invoices — without taking on traditional debt.

Here’s how it works:

You raise an invoice to your customer as usual.
Your Invoice Finance partner advances up to 90% of the invoice value - often within 24 hours, sometimes even immediately.
You access the working capital when you need it — not when your customer feels like paying.
You receive the balance (minus a small fee) when your customer pays.

For seasonal businesses, this kind of flexible funding is essential. Basically, invoice finance for seasonable businesses helps you:

Cover off-season expenses (like payroll, rent, stock, and maintenance)
Prep for the next busy period with marketing, supplies, or staffing
Negotiate better terms with suppliers by paying early
Stay competitive and proactive all year round — not just when the cash is flowing

Why the Right Lender Matters

Not all lenders are the same — and not all understand seasonal businesses.

Some lenders prefer steady, year-round revenue streams. But others specialise in supporting seasonal cashflow models, and understand how to structure agreements that flex with your business.

That’s where 12s Finance comes in.

We don’t do one-size-fits-all. Instead, when you fill out our detailed funding questionnaire, we get a clear picture of your business — including your seasonal cycles, cashflow patterns, and funding goals. From there, we search the market and connect you with a lender who’s not only a great fit, but actually likes working with seasonal businesses. No more guesswork or wasted time — just the right lender, matched to you.

Is Invoice Finance Right for Your Seasonal Business?

Here are a few signs it might be:

You issue invoices to other businesses with payment terms of 30 days or longer
You experience noticeable revenue peaks and dips throughout the year
You find it tough to manage fixed costs during quieter periods
You’d benefit from having fast access to cash when you need it — without traditional loans

If that sounds familiar, Invoice Finance could be the perfect way to smooth out your cashflow curve — and with the right partner, it can scale with your business as you grow.

Final Thought: Don’t Let Seasonality Slow You Down

Seasonal doesn’t mean unstable. With the right funding strategy in place, your business can stay consistent, resilient, and always ready for the next big wave.

At 12s Finance, we specialise in matching businesses like yours with the best-fit Invoice Finance lenders — especially those who understand and support seasonal models.

Want to find out what’s possible for your business? Make one enquiry today and we’ll do the rest — no stress, no cost.