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Running a Business
How to Prepare Your Business for Seasonal Ups and Downs
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March 25th, 2025
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•
5 min(s) read
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Key Takeaways
- Track Seasonal Patterns – Use past sales and industry data to understand when demand rises and falls.
- Build Up Cash Reserves – A financial cushion can help you weather slow months without stress.
- Adjust Inventory and Staffing – Match your operations to the season to avoid overspending.
- Market Ahead of the Curve – Start promotions early to get ahead of seasonal shifts in customer demand.
- Consider Flexible Funding – Access to working capital can help you bridge the gap and stay on track.
- Use the Downtime Wisely – Focus on planning, training, and business improvements during slower periods.
Most businesses don’t grow in a straight line. Some months are busy, others are quiet—and for seasonal businesses, this cycle is even more pronounced. Whether you run a summer-driven service or rely on a holiday boom, planning ahead for these changes can help you stay profitable year-round. This guide walks you through how to prepare for the highs and lows without losing momentum because understanding how to maintain healthy business cash flow is essential for success.
Know Your Seasons
First things first: identify your peak and slow periods. If you've been in business for a while, take a look at your sales data from the past year or two. If you're just getting started, research trends in your industry to anticipate when demand may rise or dip. Understanding these patterns lets you make smarter decisions about everything from hiring to inventory planning.
Don’t just look at total revenue—look at expenses too. Sometimes a busy season brings more cash in but also pushes your costs way up. Knowing the full picture can help you plan for profit, not just volume.
Patterns to analyze:
- Monthly revenue trends over the past 2-3 years
- Customer traffic patterns by day, week, and month
- Seasonal spikes in operating costs (utilities, supplies, labor)
- Weather-related impacts on your business
- Local events or holidays that affect demand
- Industry-specific cycles (tax season, school year, tourism)
- Inventory turnover rates during different seasons
- Staff scheduling needs throughout the year
- Marketing campaign effectiveness by season
Build a Cushion
One of the best defenses against a slow season is a solid financial buffer. A cash reserve helps you pay bills, meet payroll, and keep things running smoothly when revenue drops. Even if you can’t set aside a huge amount at once, small contributions over time can make a big difference later.
If building a reserve isn't realistic right now, consider securing a flexible line of credit. That way, you’ll have access to funds when you need them—without scrambling at the last minute.
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Match Your Resources to the Season
During your busiest times, you may need more staff, longer hours, or larger inventory orders. But once the rush ends, those same resources can become a drain on your cash flow. Adjusting your operations to match your current workload is key to staying lean and efficient.
This might mean hiring seasonal employees instead of full-time staff, negotiating flexible vendor terms, or scaling back marketing spend when traffic slows. Staying agile lets you keep your overhead in check and avoid unnecessary expenses.
Smart ways to scale your resources:
- Create flexible staffing schedules that expand and contract with demand
- Set up seasonal vendor agreements with adjustable order volumes
- Use temporary storage solutions during peak inventory periods
- Implement part-time or on-call employee arrangements
Get Ahead with Smart Marketing
If you wait until peak season hits to start marketing, you’re already behind. Promoting early helps you build interest, generate leads, and give customers time to plan their purchases or appointments.
Think about how far in advance your customers make decisions. If you run a tax prep business, start outreach before the filing deadline. If you sell outdoor gear, get your summer promos live in the spring. The goal is to catch your audience when they’re thinking about your service—not after they’ve already committed elsewhere.
Plan for Cash Flow Gaps
Even with the best planning, seasonal businesses often face gaps between income and expenses. Maybe you have upfront costs before your busy season starts, or you’re still waiting on client payments after it ends. Having access to fast, flexible funding can keep things moving in either case.
Short-term business loans or merchant cash advances are a great option here. You can use them to stock up, cover payroll, or invest in marketing—and repay them when the revenue starts flowing again. Just be sure the repayment terms match your expected cash flow so you’re not stuck during the next slow period.
Strategies for managing cash flow gaps:
- Set up an emergency fund specifically for off-season expenses
- Arrange vendor payment terms that align with your revenue cycles
- Keep a business line of credit ready before you need it
Use Slow Months to Strengthen Your Business
Slow seasons aren’t just for surviving—they’re a great opportunity to reset, plan, and improve. Use the downtime to review your processes, train staff, update your website, or explore new services you can offer during your off-season.
This is also a good time to analyze what worked during your last busy stretch—and what didn’t. What sold best? Where did you overspend? What systems broke under pressure? Fixing those weak spots now will set you up for an even better next season.
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var stepurl_c = '';
var ques_first_reload_three = document.querySelectorAll('fieldset .ques_first_three');
var steps_reload_count = ques_first_three.length;
if(text_show == 'qual'){
} else if(text_show == 'step'){
stepurl_c = last_char1 + steps_reload_count;
if(last_char1 == 9){
stepurl_c = stepurl_c - 2;
} else if(last_char1 == 11){
stepurl_c = 13;
} else if(last_char1 == 12){
stepurl_c = 14;
} else if(last_char1 == 13){
stepurl_c = 15;
} else if(last_char1 == 14){
stepurl_c = 16;
} else if(last_char1 == 15){
stepurl_c = 17;
}
}
if(last_char1 == 7){
stepurl_c = last_char1 + steps_reload_count - 1;
}
console.log('last char 1: '+last_char1);
console.log('stepurl char 1: '+stepurl_c);
console.log('Quest Steps Count: '+steps_reload_count);
if(last_char1 && my_string_hash){
$('.form_group').hide();
var correctcnt = last_char1;
var correctcnt1 = last_char1;
/*if(correctcnt == 11) {
correctcnt = 12;
} else if(correctcnt == 12) {
correctcnt = 14;
} else if(correctcnt == 13) {
correctcnt = 15;
} else if(correctcnt == 14) {
correctcnt = 16;
} else if(correctcnt == 15){
correctcnt = 17;
}*/
if(correctcnt == 15) {
correctcnt = 17;
} else if(correctcnt == 14) {
correctcnt = 16;
} else if(correctcnt == 13) {
correctcnt = 15;
} else if(correctcnt == 12) {
correctcnt = 14;
} else if(correctcnt == 11){
correctcnt = 12;
}
if(stepurl_c == ''){
$('.new-after-'+correctcnt1).show();
} else {
$('.new-after-'+stepurl_c).show();
}
const form = $(this);
var mixcct = '';
if(correctcnt == 15 || correctcnt == 16 || correctcnt == 17){
mixcct = 15;
} else {
mixcct = correctcnt;
}
const form_current_step = $('.new-after-'+mixcct).closest('.form_group');
const form_next_step = form_current_step.next('.form_group');
if (form_next_step.length && form_next_step.hasClass('steps')) {
if(form_id == 7) {
var step_data_index_count = last_char1;
console.log('step_data_index_count ' + step_data_index_count);
if($.cookie('current_step')!= undefined && $.cookie('current_step')!= null && $.cookie('current_step')!= ''){
if($.cookie('current_step') >= step_data_index_count) {
var baseURL = 'https://www.businesscapital.com/loan-applications';
window.history.pushState(text_show+(parseInt(step_data_index_count)), 'Title', baseURL+'/'+text_show+(parseInt(step_data_index_count))+'#forms7');
//$('#click_current_url').val(text_show+(parseInt(step_data_index_count)), 'Title', baseURL+'/'+text_show+(parseInt(step_data_index_count))+'#forms7');
// page_jus_loaded = false;
//autosave();
sendToTParty();
} else {
window.location.href = "https://www.businesscapital.com/loan-applications";
} } else {
window.location.href = "https://www.businesscapital.com/loan-applications";
}
}
if(form_id == 22) {
var step_data_index_count = last_char1;
console.log('step_data_index_count ' + step_data_index_count);
if($.cookie('current_step')!= undefined && $.cookie('current_step')!= null && $.cookie('current_step')!= ''){
if($.cookie('current_step') >= step_data_index_count) {
var baseURL = 'https://www.businesscapital.com/loan-applications-mail-offer';
window.history.pushState(text_show+(parseInt(step_data_index_count)), 'Title', baseURL+'/'+text_show+(parseInt(step_data_index_count))+'#forms22');
//$('#click_current_url').val(text_show+(parseInt(step_data_index_count)), 'Title', baseURL+'/'+text_show+(parseInt(step_data_index_count))+'#forms22');
// page_jus_loaded = false;
//autosave();
sendToTParty();
} else {
window.location.href = "https://www.businesscapital.com/loan-applications-mail-offer";
} } else {
window.location.href = "https://www.businesscapital.com/loan-applications-mail-offer";
}
}
var step_data_index = '';
if(stepurl_c == '') {
step_data_index = last_char1;
} else {
step_data_index = stepurl_c;
}
if(form_id == 7) {
const total_form_steps = $('.steps').length;
updateStepList(step_data_index, total_form_steps);
if (!form_next_step.hasClass('new-after-1')) {
if(step_data_index == 1) {
$('.back-btn').hide();
} else {
$('.back-btn').show();
}
}
} else if(form_id == 22) {
const total_form_steps = $('.steps').length;
updateStepListform22(step_data_index, total_form_steps);
if (!form_next_step.hasClass('new-after-1')) {
if(step_data_index == 1) {
$('.back-btn').hide();
} else {
$('.back-btn').show();
}
}
} else {
if (!form_next_step.hasClass('step-1')) {
if(step_data_index == 1) {
$('.back-btn').hide();
} else {
$('.back-btn').show();
}
}
}
var crt = '';
if(correctcnt == 16){
//crt = 0;
}
if(correctcnt == 15){
var full_name_get = localStorage.getItem("form_7");
var full_name_get1 = JSON.parse(full_name_get);
$('input[name="form_field_135"]').val(full_name_get1.form_field_52);
$('input[name="form_field_461"]').val(full_name_get1.form_field_53);
var f_name = $('input[name="form_field_52"]').val();
var last_name = $('input[name="form_field_53"]').val();
$('input[name="form_field_135"]').val(f_name);
$('input[name="form_field_461"]').val(last_name);
}
if (!form_next_step.next('.form_group').length || crt == 0) {
if(correctcnt == total_no_steps) {
$('.hide-btn').show();
$('.captcha_field_hide').show();
step_update_progressBar(10.6);
$('.captcha_field_hide').show();
var full_name_get = localStorage.getItem("form_7");
var full_name_get1 = JSON.parse(full_name_get);
var full_name = full_name_get1.form_field_52+' '+full_name_get1.form_field_53;
// $('input[name="form_field_153"]').val(full_name);
}
if(correctcnt != total_no_steps) {
$('.hide-btn').hide();
$('.captcha_field_hide').hide();
}
}
if(form_id == 7){
if((parseInt(step_data_index_count)) == 14) {
const canvas = document.getElementById('signaturepad');
const canvas1 = document.getElementById('signaturepad1');
const canvas2 = document.getElementById('signaturepad2');
const canvas3 = document.getElementById('signaturepad3');
const ctx = canvas.getContext("2d");
const ctx1 = canvas1.getContext("2d");
const ctx2 = canvas2.getContext("2d");
const ctx3 = canvas3.getContext("2d");
canvas.width = 300;
canvas1.width = 300;
canvas2.width = 300;
canvas3.width = 300;
canvas.height = 150;
canvas1.height = 150;
canvas2.height = 150;
canvas3.height = 150;
ctx.clearRect(0, 0, canvas.width, canvas.height);
ctx1.clearRect(0, 0, canvas1.width, canvas1.height);
ctx2.clearRect(0, 0, canvas2.width, canvas2.height);
ctx3.clearRect(0, 0, canvas3.width, canvas3.height);
}
var owner2fname = $('input[name="form_field_402"]').val();
var owner2lname = $('input[name="form_field_462"]').val();
var owner2percentage = $('input[name="form_field_416"]').val();
if(owner2fname != "" && owner2lname != "" && owner2percentage != ""){
$('.owner_2_sign').show();
$('.owner2_signature').show();
$('.owner_2_e_sign').show();
$('.owner_2_sign').addClass('validate[required]');
$('.step-16').removeClass('center-signature');
} else {
$('.owner_2_sign').hide();
$('.owner2_signature').hide();
$('.owner_2_e_sign').hide();
$('#signature-data1').val('');
$('input[name="form_field_484"]').val('');
$('.owner_2_sign').removeClass('validate[required]');
$('.step-16').addClass('center-signature');
}
var owner3fname = $('input[name="form_field_423"]').val();
var owner3lname = $('input[name="form_field_463"]').val();
var owner3percentage = $('input[name="form_field_439"]').val();
if(owner3fname != "" && owner3lname != "" && owner3percentage != ""){
$('.owner_3_sign').show();
$('.owner3_signature').show();
$('.owner_3_e_sign').show();
$('.owner_3_sign').addClass('validate[required]');
$('.step-16').removeClass('center-signature');
$('.step-16').addClass('center-signature-third');
} else {
$('.owner_3_sign').hide();
$('.owner3_signature').hide();
$('.owner_3_e_sign').hide();
$('#signature-data2').val('');
$('input[name="form_field_487"]').val('');
$('.owner_3_sign').removeClass('validate[required]');
$('.step-16').removeClass('center-signature-third');
}
var owner4fname = $('input[name="form_field_444"]').val();
var owner4lname = $('input[name="form_field_464"]').val();
var owner4percentage = $('input[name="form_field_458"]').val();
if(owner4fname != "" && owner4lname != "" && owner4percentage != ""){
$('.owner_4_sign').show();
$('.owner4_signature').show();
$('.owner_4_e_sign').show();
$('.owner_4_sign').addClass('validate[required]');
$('.step-16').removeClass('center-signature');
$('.step-16').removeClass('center-signature-third');
} else {
$('.owner_4_sign').hide();
$('.owner4_signature').hide();
$('.owner_4_e_sign').hide();
$('#signature-data3').val('');
$('input[name="form_field_490"]').val('');
$('.owner_4_sign').removeClass('validate[required]');
}
$('input[name="form_field_153"]').val('');
$('input[name="form_field_484"]').val('');
$('input[name="form_field_487"]').val('');
$('input[name="form_field_490"]').val('');
loadpage = true;
}
if(form_id == 22){
if((parseInt(step_data_index_count)) == 14) {
const canvas = document.getElementById('signaturepad');
const canvas1 = document.getElementById('signaturepad1');
const canvas2 = document.getElementById('signaturepad2');
const canvas3 = document.getElementById('signaturepad3');
const ctx = canvas.getContext("2d");
const ctx1 = canvas1.getContext("2d");
const ctx2 = canvas2.getContext("2d");
const ctx3 = canvas3.getContext("2d");
canvas.width = 300;
canvas1.width = 300;
canvas2.width = 300;
canvas3.width = 300;
canvas.height = 150;
canvas1.height = 150;
canvas2.height = 150;
canvas3.height = 150;
ctx.clearRect(0, 0, canvas.width, canvas.height);
ctx1.clearRect(0, 0, canvas1.width, canvas1.height);
ctx2.clearRect(0, 0, canvas2.width, canvas2.height);
ctx3.clearRect(0, 0, canvas3.width, canvas3.height);
}
var owner2fname = $('input[name="form_field_652"]').val();
var owner2lname = $('input[name="form_field_653"]').val();
var owner2percentage = $('input[name="form_field_649"]').val();
if(owner2fname != "" && owner2lname != "" && owner2percentage != ""){
$('.owner_2_sign').show();
$('.owner2_signature').show();
$('.owner_2_e_sign').show();
$('.owner_2_sign').addClass('validate[required]');
$('.step-16').removeClass('center-signature');
} else {
$('.owner_2_sign').hide();
$('.owner2_signature').hide();
$('.owner_2_e_sign').hide();
$('#signature-data1').val('');
$('input[name="form_field_718"]').val('');
$('.owner_2_sign').removeClass('validate[required]');
$('.step-16').addClass('center-signature');
}
var owner3fname = $('input[name="form_field_672"]').val();
var owner3lname = $('input[name="form_field_673"]').val();
var owner3percentage = $('input[name="form_field_689"]').val();
if(owner3fname != "" && owner3lname != "" && owner3percentage != ""){
$('.owner_3_sign').show();
$('.owner3_signature').show();
$('.owner_3_e_sign').show();
$('.owner_3_sign').addClass('validate[required]');
$('.step-16').removeClass('center-signature');
$('.step-16').addClass('center-signature-third');
} else {
$('.owner_3_sign').hide();
$('.owner3_signature').hide();
$('.owner_3_e_sign').hide();
$('#signature-data2').val('');
$('input[name="form_field_721"]').val('');
$('.owner_3_sign').removeClass('validate[required]');
$('.step-16').removeClass('center-signature-third');
}
var owner4fname = $('input[name="form_field_692"]').val();
var owner4lname = $('input[name="form_field_693"]').val();
var owner4percentage = $('input[name="form_field_707"]').val();
if(owner4fname != "" && owner4lname != "" && owner4percentage != ""){
$('.owner_4_sign').show();
$('.owner4_signature').show();
$('.owner_4_e_sign').show();
$('.owner_4_sign').addClass('validate[required]');
$('.step-16').removeClass('center-signature');
$('.step-16').removeClass('center-signature-third');
} else {
$('.owner_4_sign').hide();
$('.owner4_signature').hide();
$('.owner_4_e_sign').hide();
$('#signature-data3').val('');
$('input[name="form_field_724"]').val('');
$('.owner_4_sign').removeClass('validate[required]');
}
$('input[name="form_field_714"]').val('');
$('input[name="form_field_718"]').val('');
$('input[name="form_field_721"]').val('');
$('input[name="form_field_724"]').val('');
loadpage = true;
}
step_update_progressBar((step_data_index * 6));
if(form_id == 22 && last_char1 == 6){
$('.hide-btn').show();
$('.captcha_field_hide').show();
step_update_progressBar(100);
}
} else {
if(form_id == 7){
window.location.href = "https://www.businesscapital.com/loan-applications";
} else if(form_id == 22){
window.location.href = "https://www.businesscapital.com/loan-applications-mail-offer";
}
}
}
}
}
});
$(function(){
$("input[name='form_field_468']").on("blur", function(){
var website_name = $(this).val().trim();
if(website_name){
var website = website_name.replace(/^(?:https?:\/\/)?(?:www\.)?/i, "");
website = website.replace(/^(?:http?:\/\/)?(?:www\.)?/i, "");
$(this).val('https://www.'+website);
}
});
});
$(function(){var form_id = "5";
$('.stepForm_'+form_id+' input').on('input', function(e){
if($(this).val().trim()!==''){
$(this).closest('.field').removeClass('redfield');
}
});
/*
$('input[name="form_field_398"]').on('input', function(){
var value = $(this).val().replace(/[^0-9.]/g, '');
if((value.match(/\./g) || []).length > 1){
value = value.replace(/\.+$/, '');
}
var val1 = 0;
var val2 = 0;
var val3 = 0;
if($('input[name="form_field_416"]').val()){
val1 = $('input[name="form_field_416"]').val();
}
if($('input[name="form_field_458"]').val()){
val2 = $('input[name="form_field_458"]').val();
}
if($('input[name="form_field_439"]').val()){
val3 = $('input[name="form_field_439"]').val();
}
// if(val3 != 0 || val2 != 0 || val1 != 0) {
// value = (parseInt(100) - (parseFloat(val1)+parseFloat(val2)+parseFloat(val3)));
// }
if(value > 100){
$(this).val(100);
} else {
$(this).val(value);
}
if(value !== '' && parseFloat(value) 1){
value = value.replace(/\.+$/, '');
}
var val1 = 0;
var val2 = 0;
var val3 = 0;
if($('input[name="form_field_416"]').val()){
val1 = $('input[name="form_field_416"]').val();
}
if($('input[name="form_field_458"]').val()){
val2 = $('input[name="form_field_458"]').val();
}
if($('input[name="form_field_439"]').val()){
val3 = $('input[name="form_field_439"]').val();
}
// if(val3 != 0 || val2 != 0 || val1 != 0) {
// value = (parseInt(100) - (parseFloat(val1)+parseFloat(val2)+parseFloat(val3)));
// }
if(value > 100){
$(this).val(100);
} else {
$(this).val(value);
}
if(value !== '' && parseFloat(value) == 100){
$('.form_field_401, [data-parent-id="401"]').hide();
$('.form_field_421, [data-parent-id="421"]').hide();
$('.form_field_442, [data-parent-id="442"]').hide();
$('input[name="form_field_416"]').val('');
$('input[name="form_field_439"]').val('');
$('input[name="form_field_458"]').val('');
// $('.add_owner_1').addClass('light_cls');
// $('.add_owner_1').removeClass('dark_cls');
setTimeout(function(){
$('input.add_owner_1').prop('checked', false).trigger('change');}, 300);
}
});
$('input[name="form_field_398"]').on('blur', function(){
let value = $(this).val().replace(/[^0-9.]/g, '');
if(value === ''){
$(this).val('');
$('.form_field_401').hide();
} else {
value = parseFloat(value);
if(value > 100){
$(this).val(100);
} else {
$(this).val(value);
}
if(parseFloat(value) 1){
value = value.replace(/\.+$/, '');
}
var val = (parseFloat(value)+parseFloat($('input[name="form_field_398"]').val()));
if(val > 100){
var remval = (parseFloat(100)-parseFloat($('input[name="form_field_398"]').val()));
$(this).val(remval);
} else {
$(this).val(value);
}
if(val !== '' && parseFloat(val) 100){
var remval = (parseFloat(100)-parseFloat($('input[name="form_field_398"]').val()));
$(this).val(remval);
} else {
$(this).val(value);
}
if(parseFloat(val) 1){
value = value.replace(/\.+$/, '');
}
$(this).val(value);
var val = (parseFloat(value)+parseFloat($('input[name="form_field_416"]').val())+parseFloat($('input[name="form_field_398"]').val()));
if(val > 100){
var remval = (parseFloat(100)-(parseFloat($('input[name="form_field_416"]').val())+parseFloat($('input[name="form_field_398"]').val())));
$(this).val(remval);
} else {
$(this).val(value);
}
if(val !== '' && parseFloat(val) 100){
var remval = (parseFloat(100)-(parseFloat($('input[name="form_field_416"]').val())+parseFloat($('input[name="form_field_398"]').val())));
$(this).val(remval);
} else {
$(this).val(value);
}
if(parseFloat(val) 100){
var remval = (parseFloat(100)-(parseFloat($('input[name="form_field_416"]').val())+parseFloat($('input[name="form_field_398"]').val())+parseFloat($('input[name="form_field_439"]').val())));
$(this).val(remval);
} else {
$(this).val(value);
}
}
});
*/
$('input[name="form_field_458"]').on('blur', function(){
let value = $(this).val().replace(/[^0-9.]/g, '');
value = parseFloat(value);
if(value) {
var val = (parseFloat(value)+parseFloat($('input[name="form_field_416"]').val())+parseFloat($('input[name="form_field_398"]').val())+parseFloat($('input[name="form_field_439"]').val()));
if(val > 100){
var remval = (parseFloat(100)-(parseFloat($('input[name="form_field_416"]').val())+parseFloat($('input[name="form_field_398"]').val())+parseFloat($('input[name="form_field_439"]').val())));
$(this).val(remval);
} else {
$(this).val(value);
}
}
});
});
$(window).on('load', function(){
$('input[name="form_field_398"]').trigger('blur');
$('input[name="form_field_416"]').trigger('blur');
$('input[name="form_field_439"]').trigger('blur');
//$('input[name="form_field_458"]').trigger('input');
// $('.notoggle_style').removeAttr('style');
});
$('.submit_btn').on('click',function(e){var form_id = "5"; var isValid3 = $(".stepForm_"+form_id).validationEngine('validate');
if (!isValid3) {
e.preventDefault();
if ($('.formErrorContent').is(':visible')) {
$(".stepForm_" + form_id + " .formErrorContent").each(function() {
var errorMessage = $(this).html().trim();
var errorMessages = errorMessage.split('
'); $(this).empty(); var vcounters = 1; for(var im = 0; im ').addClass(errorClassName).html(errorMessages[im]); $(this).append(errorSpan); $(this).closest('.field').addClass('redfield'); } });return false; } } }); //errorContentMsg(); $(function(){ $('input.bank_account').on('change',function(){ $('label').removeClass('selected'); $(this).closest('label').addClass('selected'); }); $('input[name="form_field_495"]').on('change',function(){ $('label').removeClass('selected'); $(this).closest('label').addClass('selected'); var business_selected_val = $('input[name="form_field_495"]:checked').val(); if(business_selected_val == 'Yes'){ $('.form_field_110').show(); $('label').removeClass('selected'); $(this).closest('label').addClass('selected'); } else { $('.form_field_110').hide(); } }); $('input[name="form_field_990"]').on('change',function(){ if($('.form_field_471').is(":visible")){ $('label').removeClass('selected'); $(this).closest('label').addClass('selected'); var business_selected_val = $('input[name="form_field_990"]:checked').val(); if (typeof business_selected_val === "undefined"){ $('.hide-btn').show(); $('.captcha_field_hide').show(); if ($('.or-divider').length === 0) { $('.captcha_field_hide_bun').before( '
'); $(this).empty(); var vcounters = 1; for(var im = 0; im ').addClass(errorClassName).html(errorMessages[im]); $(this).append(errorSpan); $(this).closest('.field').addClass('redfield'); } });return false; } } }); //errorContentMsg(); $(function(){ $('input.bank_account').on('change',function(){ $('label').removeClass('selected'); $(this).closest('label').addClass('selected'); }); $('input[name="form_field_495"]').on('change',function(){ $('label').removeClass('selected'); $(this).closest('label').addClass('selected'); var business_selected_val = $('input[name="form_field_495"]:checked').val(); if(business_selected_val == 'Yes'){ $('.form_field_110').show(); $('label').removeClass('selected'); $(this).closest('label').addClass('selected'); } else { $('.form_field_110').hide(); } }); $('input[name="form_field_990"]').on('change',function(){ if($('.form_field_471').is(":visible")){ $('label').removeClass('selected'); $(this).closest('label').addClass('selected'); var business_selected_val = $('input[name="form_field_990"]:checked').val(); if (typeof business_selected_val === "undefined"){ $('.hide-btn').show(); $('.captcha_field_hide').show(); if ($('.or-divider').length === 0) { $('.captcha_field_hide_bun').before( '
OR
'
);
}
} else if(business_selected_val != 'Manually upload bank statements for the last 3 months'){
$('.hide-btn').hide();
$('.captcha_field_hide').hide();
$('.or-divider').remove();
$('.submit-button').val('Submit');
$('#plaid_id_check').val(1);
autosave();
} else {
$('.hide-btn').show();
$('.captcha_field_hide').show();
$('.submit-button').val('Submit');
$('.or-divider').remove();
$('#plaid_id_check').val(0);
autosave();
}
if(business_selected_val == "Automatically fetch bank statements via Plaid"){
var shouldStop = '';
var value = $('input[name="form_field_58"]').val();
$.ajax({
url: "https://www.businesscapital.com/plaid/check-plaid-connect-new",
type: "GET",
dataType: "json",
data: { form_field_58: value },
async: false,
success: function(data_res) {
if(data_res.val == 1){
$('.hide-btn').show();
$('.captcha_field_hide').show();
// Show success message
document.getElementById('link-button').style.display = 'none';
const msgBox = document.querySelector('.msg-from-plaid');
msgBox.style.display = 'block';
msgBox.classList.add('success');
msgBox.innerText = "Success! Your bank account is now connected via Plaid to fetch your bank statements";
}
}
});
}
}
});
});
/*
$(document).ready(function(){
$('input.federal_tax_id').on('input',function(){
var val = $(this).val();
var form_field_128 = val.replace(/\D/g, '');
if(form_field_128.length > 2){
var val1 = form_field_128.slice(0,2);
form_field_128 = val1+'-'+form_field_128.slice(2);
}
$(this).val(form_field_128.slice(0,10));
});
$('input.federal_tax_id').on('blur',function(){
var val = $(this).val();
var form_field_128= /^\d{2}-\d{7}$/;
if(!form_field_128.test(val)){
$(this).focus();
}
});
});
*/
$(document).ready(function () {
$('input.federal_tax_id').on('input', function () {
var val = $(this).val();
var form_field_128 = val.replace(/\D/g, '');
if (form_field_128.length > 2) {
var val1 = form_field_128.slice(0, 2);
form_field_128 = val1 + '-' + form_field_128.slice(2);
}
$(this).val(form_field_128.slice(0, 10));
});
$('input.federal_tax_id').on('blur', function () {
var val = $(this).val();
var isValid = /^\d{2}-\d{7}$/.test(val);
var $error = $(this).next('.error-message');
if (!isValid) {
// Show error message
if ($error.length === 0) {
$(this).after('');
}
$(this).focus();
} else {
// Remove error message
$error.remove();
}
});
});
function validateEIN($input) {
var val = $input.val();
var isValid = /^\d{2}-\d{7}$/.test(val);
var $error = $input.next('.error-message');
if (!isValid) {
if ($error.length === 0) {
$input.after('');
}
$input.focus();
return false;
} else {
$error.remove();
return true;
}
}
function validateSSN($input) {
var val = $input.val();
var isValid = /^\d{3}-\d{2}-\d{4}$/.test(val); // Correct SSN format
var $error = $input.next('.error-message');
if (!isValid) {
if ($error.length === 0) {
$input.after('');
}
$input.focus();
return false;
} else {
$error.remove();
return true;
}
}
/*
$(document).ready(function(){
$('input[name="form_field_139"]').on('input', function(e){
var val1 = $(this).val();
let form_field_139 = val1.replace(/\D/g, '');
if(form_field_139.length > 3 && form_field_139.length 5){
var val3 = form_field_139.slice(0, 3);
form_field_139 = val3+'-'+form_field_139.slice(3, 5)+'-'+form_field_139.slice(5);
}
var val4 = form_field_139.slice(0, 11);
$(this).val(val4);
});
$('input[name="form_field_139"]').on('blur',function(e){
var form_field_139 = /^\d{3}-\d{2}-\d{4}$/;
var val = $(this).val();
if(!form_field_139.test(val)){$(this).focus();}
});
$('input[name="form_field_406"]').on('input',function(){
var val = $(this).val();
let form_field_406 = val.replace(/\D/g, '');
if(form_field_406.length > 3 && form_field_406.length 5){
var val3 = form_field_406.slice(0, 3);
form_field_406 = val3+'-'+form_field_406.slice(3, 5)+'-'+form_field_406.slice(5);
}
var val2 = form_field_406.slice(0, 11);
$(this).val(val2);
});
$('input[name="form_field_406"]').on('blur',function(){
var form_field_406 = /^\d{3}-\d{2}-\d{4}$/;
var val = $(this).val();
if(!form_field_406.test(val)){ $(this).focus(); }
});
$('input[name="form_field_427"]').on('input',function(){
var val = $(this).val();
let form_field_427 = val.replace(/\D/g, '');
if(form_field_427.length > 3 && form_field_427.length 5){
var val3 = form_field_427.slice(0, 3);
form_field_427 = val3+'-'+form_field_427.slice(3, 5)+'-'+form_field_427.slice(5);
}
var val2 = form_field_427.slice(0, 11);
$(this).val(val2);
});
$('input[name="form_field_427"]').on('blur', function(){
var form_field_427 = /^\d{3}-\d{2}-\d{4}$/;
var val = $(this).val();
if(!form_field_427.test(val)){ $(this).focus(); }
});
$('input[name="form_field_448"]').on('input', function(){
var val= $(this).val();
let form_field_448 = val.replace(/\D/g, '');
if(form_field_448.length > 3 && form_field_448.length 5){
var val3 = form_field_448.slice(0, 3);
form_field_448 = val3+'-'+form_field_448.slice(3, 5)+'-'+form_field_448.slice(5);
}
var val2 = form_field_448.slice(0, 11);
$(this).val(val2);
});
$('input[name="form_field_448"]').on('blur', function(){
var form_field_448 = /^\d{3}-\d{2}-\d{4}$/;
var val = $(this).val();
if(!form_field_448.test(val)){ $(this).focus(); }
});
});
*/
$(document).ready(function () {
const ssnFields = ['form_field_139', 'form_field_406', 'form_field_427', 'form_field_448'];
ssnFields.forEach(function (fieldName) {
const selector = `input[name="${fieldName}"]`;
// Input formatting
$(document).on('input', selector, function () {
let val = $(this).val().replace(/\D/g, '');
if (val.length > 3 && val.length 5) {
val = val.slice(0, 3) + '-' + val.slice(3, 5) + '-' + val.slice(5);
}
val = val.slice(0, 11);
$(this).val(val);
// Remove error message while typing
const $error = $(this).next('.error-message');
if ($error.length) $error.remove();
});
// Validation on blur
$(document).on('blur', selector, function () {
const val = $(this).val();
const isValid = /^\d{3}-\d{2}-\d{4}$/.test(val);
const $error = $(this).next('.error-message');
if (!isValid) {
if ($error.length === 0) {
$(this).after('');
}
$(this).focus();
} else {
$error.remove();
}
});
});
});
$(document).on('change', 'input.add_owner_1', function(){
if($('input.add_owner_1:checked').length > 0){
$('.add_owner_1').removeClass('light_cls');
$('.add_owner_1').addClass('dark_cls');
$('.add_owner_1').find('label').css('background','#0a1f3');
$('input.add_owner_2').prop('checked', false);
$('[data-parent-id="421"]').hide();
//$('input.add_owner_3').prop('checked', false);
$('[data-parent-id="442"]').hide();
}else{
$('.add_owner_1').removeClass('dark_cls');
$('.add_owner_1').addClass('light_cls');
$('input.add_owner_2').prop('checked', false);
$('[data-parent-id="421"]').hide();
$('input.add_owner_3').prop('checked', false);
$('[data-parent-id="442"]').hide();
//$('.add_owner_1').find('label').css('background','#080808');
}
});
$(document).on('change', 'input.add_owner_2', function(){
if($('input.add_owner_2:checked').length > 0){
$('.add_owner_2').removeClass('light_cls');
$('.add_owner_2').addClass('dark_cls');
//$('.add_owner_2').find('label').css('background','#0a1f3');
$('input.add_owner_3').prop('checked', false);
$('[data-parent-id="442"]').hide();
}else{
$('input.add_owner_3').prop('checked', false);
$('[data-parent-id="442"]').hide();
$('.add_owner_2').removeClass('dark_cls');
$('.add_owner_2').addClass('light_cls');
//$('.add_owner_2').find('label').css('background','#080808');
}
});
$(document).on('change', 'input.add_owner_3', function(){
if($('input.add_owner_3:checked').length > 0){
$('.add_owner_3').removeClass('light_cls');
$('.add_owner_3').addClass('dark_cls');
//$('.add_owner_3').find('label').css('background','#0a1f3');
}else{
$('.add_owner_3').removeClass('dark_cls');
$('.add_owner_3').addClass('light_cls');
//$('.add_owner_3').find('label').css('background','#080808');
}
});
// need
$(document).ready(function(){
$('input[name="form_field_126[]"]').on('change', function(){
if($(this).is(':checked')){
$(this).val('Yes');
} else {
$(this).val('');
}
});
});
$(window).on('load', function() {
if(loadpage){
$('input[name="form_field_153"]').val('');
$('input[name="form_field_484"]').val('');
$('input[name="form_field_487"]').val('');
$('input[name="form_field_490"]').val('');
}
});
Stay Prepared All Year Long
The more prepared you are for seasonal ups and downs, the smoother your year will go. Start by understanding your business patterns, building flexibility into your operations, and keeping funding options open so you’re never caught off guard.
Need help staying steady during your slow season—or ramping up for the next rush? Apply online today or call 877-400-0297 to talk to our team about working capital that fits your timeline.
About the Author
Henry Pershin
Henry Pershin is the Founder and CEO of BusinessCapital.com, a nationally recognized business financing organization that has deployed over $10 billion in capital to businesses across the United States. Over the past decade, he has built the company into a leading platform in the business financing space, focused on delivering reliable capital solutions to small to mid-sized businesses.
He leads with a long-term mindset centered on trust, accountability, and building relationships that grow alongside the businesses he serves.