Seasonal Capital Should Come Home at Season's End
A marina pays spring wages and dock costs before most summer service bills are collected. The owner knows a cash gap recurs each year. A workable bridge can clear after the season while leaving enough for winter.
Deposits are not the whole summer
Map reservation deposits, final slip payments, service invoices, fuel purchases, seasonal payroll, and repair bills by week. Some deposits may be refundable under customer agreements. For illustration, $400,000 of summer receipts less $240,000 of direct seasonal costs leaves $160,000 before year-round rent, insurance, taxes, maintenance, and financing. If $100,000 goes to year-round bills and $30,000 to winter reserve, only $30,000 remains for a bridge and its full cost. Those illustrative figures should be replaced with the marina's actual cash calendar.
Estimate the cash that actually remains after those fixed costs and the winter reserve. Compare that balance with the requested draw and full repayment. If the bridge cannot be cleared after a normal summer, another spring draw will merely carry an old deficit forward.
Dock replacement has a different clock
Emergency repairs needed for safety may have to happen now. A major dock replacement that will serve for years should not be squeezed into a bridge expected to clear in one summer. Quote that project separately, including lost slip capacity during construction. For the spring-to-summer working-capital gap, ask whether conservative collections will clear the balance. Providers control available structure and terms.
The marina should enter spring with a draw that a conservative summer can clear after refunds and winter bills. Use its own receipt and cost calendar in the Funding Quiz.