How should seasonal revenue be represented in a lender match?

I provide twelve monthly totals when seasonality is material instead of relying only on a three-month average.

Year-over-year comparison is useful because it distinguishes normal seasonality from a new decline.

The active minimum-revenue rule still needs to be applied as published; seasonality does not create an assumed exception.

Should the request amount be compared with peak revenue, trailing average, or the current low month?

Show each measure and label the period. The lender criterion determines the check; the others remain context.

Payment timing matters too. A structure that works in peak season may be unrealistic during the trough.

A cash-flow view across the expected payment period would be more useful than one revenue number.

Use historical evidence and transparent assumptions, not a forecast presented as fact.

If the lender offers a seasonal product, that product needs its own sourced criteria and structure.

Show the full pattern, apply the actual published threshold, and keep forecasts distinct from observed deposits.