The holidays bring more than cheer—they bring opportunity. For many small business owners, December can make or break the year. Whether you run a retail shop, restaurant, or contracting firm, preparation now will determine how strong you finish.
At ByzFunder, we’ve funded over a billion dollars in working capital for small businesses nationwide. Here’s what we’re seeing across key industries—and how to position your business to thrive this season.
Retail & E-Commerce: Stock Early, Sell Smart
The holiday buying wave starts earlier every year, and so do supply pressures. Missing the timing can mean losing key revenue weeks.
Expert advice
- Order ahead: place core inventory orders by early November to avoid price hikes and shipping delays.
- Run “early access” offers for your best customers to forecast demand before you over-buy.
- Use working capital to stock deeper and move faster than competitors waiting on cash flow.
Restaurants & Hospitality: Make the Most of the Season
Holiday gatherings, travel, and corporate events can double your traffic—but only if you’re ready.
Expert advice
- Cross-train staff now to handle large parties and take-out rushes.
- Launch gift-card promos (for example, “Buy $50, get $10”) to boost pre-holiday cash flow.
- Update Google Business Profile and social pages with hours, catering options, and specials before the rush.
Construction, Contracting & Trades: Close Q4 Strong and Prep for Q1
Contractors are busy wrapping projects and planning the next cycle.
Expert advice
- Collect receivables now to start January with clean cash flow.
- Consider year-end equipment upgrades while tax deductions may apply.
- Use flexible funding to cover upfront materials and labor so you can accept new jobs without waiting on old invoices.
Logistics & Transportation: Keep Capacity Rolling
The holiday shipping surge spikes demand while costs climb.
Expert advice
- Budget early for extra drivers, maintenance, and fuel.
- Keep liquidity with working capital when invoices stretch out.
- Prioritize your highest-margin routes; small routing improvements matter during peak weeks.
Healthcare & Personal Services: Capture Year-End Demand
Patients and clients often rush to use benefits before they reset in January.
Expert advice
- Extend evening or weekend appointments to capture last-minute demand.
- Send reminders about coverage deadlines and out-of-pocket options.
- Renew equipment or marketing now while utilization is high.
Professional & Financial Services: Get a Head Start on the New Year
Accountants, bookkeepers, and service firms win when they start early.
Expert advice
- Promote January services in December with early-bird packages.
- Pre-hire and train seasonal help now.
- Use short-term funding to cover hiring and ad spend so you capture Q1 demand.
Plan. Fund. Execute.
Every industry has its own rhythm—but the winners plan ahead.
ByzFunder makes it Fast. Simple. Secure. to access the capital you need to stay ahead of the season. With same-day approvals, transparent terms, and funding up to $500K, you can focus on running your business—not waiting on the bank.
Apply in minutes to see how much you are eligible for extra fund to prep for holiday.
