Who gets loans in the spring to get things going again. I'm in WI, by the end of the winter cash is getting tight. I bill 1st of the month, we generally get started by 2nd week in april. The month of May is always a killer for me, small landscape jobs keeps my help paid but trying to get through the first 7-8 weeks of spring is stressfull. Are spring loans normal for this business? I dont think I'm to bad at managing money, but starting my third year this year my expenses went way up, more then I anticipated, and having 20K or so in the bank would have eased my mind a lot.