If you have a seasonal business, such as in tourism or farming, you may have difficulty meeting financial obligations during slow periods. Even though your revenues may be decreasing, you still have to pay your fixed costs.
Refinancing a business loan for variable monthly payments can help you better manage your cash flow.
You should first evaluate whether or not you can build more business during your low season. For example, you might be able to expand product choice, add more services that extend into busier seasons, or find another source of revenue.