Same product, 13 different stories

Two loan peaks: Q1 (new-year investment/refit) and autumn (ahead of Q4 inventory build). Revenue peaks Nov–Dec, well after the borrowing.

Stock has to be bought and paid for before it can be sold. The bigger the expected sales spike, like Black Friday or Christmas, the earlier and larger the financing need.

The strongest Q1 loan peak of any segment; revenue peaks in summer (building season). Demand drops sharply once crews are on-site and earning.

Projects and the building season both start with upfront costs: equipment, materials, payroll. Payment often lags behind completed work.

Loan demand peaks in Q1 (vehicle purchases), with a secondary uptick before Q4 for fleet prep; revenue peaks in Q4 (holiday logistics rush).

Vehicles are a large, lumpy purchase that has to happen before higher-volume periods. You can't finance a truck after the freight has already been turned away.

Strongest in Q1, a secondary peak around year-end, and a clear summer dip when production itself often slows down.

Machinery decisions tend to follow the annual budget cycle, with a second wave of purchases at year-end that's often tax-motivated rather than seasonal.

The flattest curve of any segment. Financing need is fairly constant year-round, with a Q1 bump (new budgets, hiring) and a smaller autumn bump.

Costs like a new hire or a software subscription routinely land before the client payment that's meant to cover them. The financing gap is structural, not seasonal.

Less seasonal than most segments. Equipment and premises needs cluster loosely around fiscal-year planning, with a smaller late-summer bump.

Demand for care itself doesn't swing much with the seasons. Financing here is driven more by planned investment cycles than by any calendar event.

Two loan peaks: new year (salon/studio investment) and autumn (pre-Christmas refurbishment). Summer is quiet for loans despite decent revenue.

Two customer-facing moments drive investment: the new-year resolution rush and the pre-Christmas period when people book grooming and beauty appointments.

A strong Q1-into-spring peak (the transaction season); summer is very weak. Rate announcements are a real activation trigger here.

Transactions cluster in specific windows, and because tickets are large and infrequent, a change in financing rates itself can be enough to trigger a decision.

A very strong January peak, ahead of the spring service season, then demand drops once the workshop is busy.

Workshops invest in tools and equipment right before their own busy season starts, then have little bandwidth or need to think about financing once booked solid.

An unusual pattern: financing peaks around mid-summer and early autumn rather than Q1, driven directly by the harvest cycle.

The harvest cycle, not the calendar year, sets the schedule. Machinery gets bought ahead of harvest, and working capital is needed once it's in but not yet sold.

Tracks the academic calendar, with demand clustering around the start of the academic year and the January new term.

Spending decisions are tied to the academic year, not the financial one. New courses, renovated spaces, and marketing all need to be ready before term starts.

Highly seasonal and market-dependent. Financing is typically needed well before the travel season peaks.

Fleet, marketing, and seasonal staff all have to be funded before travelers actually book and travel. The more seasonal the market, the earlier the need.