2 min read
See the dip coming
Build a month-by-month cash-flow forecast so you know exactly when and how deep the trough is. A dip you can see is a dip you can plan for.
Fund it deliberately
Ring-fence cash in the peak, and where the buffer falls short, a short facility covers the quiet months and is repaid when trade returns. Read managing seasonal cash flow and use the seasonal buffer calculator.
What it means for you
Turn a predictable pattern into a plan.
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Frequently asked questions
How much buffer does a seasonal business need?
Enough to cover fixed costs through the trough with a margin — often two to four months of core outgoings, depending on how long and deep the quiet season is.
When should I arrange seasonal finance?
Before the trough, while trading is strong and the numbers look their best. Arranging a facility in the peak gives you ready headroom for the quiet months.
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