WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Equipment structure · Nationwide

Seasonal Payment Plan

Custom payment calendars with higher payments in peak months and lower ones in slow months, all year long.

Apply nowAll equipment programs(210) 702-8811
$15K – $10MM+Amounts
Up to $1MMApplication only
12 – 84 mo.Terms
All 50States
Structure

How Seasonal Payment Plan works

A seasonal payment plan goes further than a skip schedule: every month's payment is set to fit your revenue history. Farms can pay at harvest, tax preparers in spring, retailers after the holidays.

Lenders build the calendar from your bank statements, so you pay when the money comes in.

Best for

  • Agriculture and farm operations
  • Tax, tourism and holiday-driven businesses
  • Contractors with weather-driven revenue

Program terms

Every product and structure is available through the same equipment program: $15,000 to $10 million and more, application-only approvals up to $1 million, 12 to 84-month terms, A through C- credit and no industry restrictions.

Questions

Seasonal Payment Plan FAQ

Answers to common questions.

Can I pay annually?

Some agricultural programs offer annual or semi-annual payments.

What do lenders need?

Typically 12 months of bank statements to see the seasonality.

How much equipment can I finance?

From $15,000 to $10 million and more. Approvals up to $1 million can often be made on a one-page application, with no tax returns or financial statements.

What credit do I need?

Programs span A through C- credit. Strong credit gets the lowest rates and 100% financing; challenged credit can still be approved with a down payment or additional collateral.

Do you finance startups?

Yes. Businesses with one year or more in operation have the most options, and startup programs are available with a strong owner profile or down payment.

Related

More ways to finance equipment

Compare other products and structures.

Structure

Equipment Sale-Leaseback

Sell equipment you own, lease it back, keep working

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TRAC Lease

The truck and trailer lease built for fleets

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Conditional Sale / Money-Over-Money

Ownership-style financing on a lease form

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Skip Payment Lease

No payments in your off-season

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Step / Unlevel Payment Lease

Payments that grow as the equipment pays off

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Synthetic Lease

Off-balance-sheet accounting with ownership tax benefits

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Maintenance & Service Financing

Bundle service, warranties and soft costs into one payment

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Mid-Term Amendment Lease

Add equipment to your lease without a new contract

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By state

Seasonal Payment Plan by state

Available in all 50 states and D.C.

Discuss your scenario

Rather talk it through first?

Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.

  • No application, no credit pull
  • A real account executive, not a call center
  • Usually a call back within one business day
Prefer to call? (210) 702-8811
Next step

Ready to apply for Seasonal Payment Plan?

Tell us about the equipment and we'll bring back the right structure.

Start the application

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.