Even if a business is only open for 3 or 4 months out of the year, the business will have income and expenses during that timeframe. A business owner can estimate those numbers (budgeting!) and use those numbers to determine how many jobs need performed (lawns mowed, driveways cleared of snow, etc.) in order to at least break even.
I say it depends on your cash flow and whether or not you can afford to pay yourself a reasonable salary for the work you’re doing.
Here are six things I’ve learned through the years in seeing clients try -- usually unsuccessfully -- to get loans from banks.