Northline for Travel & tours

You charge in January. They fly in June. That gap is the file.

Travel risk is arithmetic: months of "future delivery" between charge and trip, and a mass-refund event if anything cancels. Banks place operators who can show the gap is managed — realistic booking windows, insured components, and reserves that actually release. We structure that story before underwriting reads it.

charge → deliver, months apart — the cushion carries the gap

No surprises in underwriting

What the bank will actually ask.

Where you'll land

Agencies and tour operators run ~3.3–4.3%. Long-window packages (150+ days out) price the top of band and may carry a seasonal reserve.

What the bank asks

Average days-to-departure, supplier agreements (air/hotel), refund waterfall, and whether you hold IATA/ARC or sell as an independent agent.

The honest trade

A 5% reserve during your booking season beats a frozen account in your delivery season. We negotiate release triggers tied to departure dates.

Fifteen minutes

Talk to the underwriter who places travel.

A real answer on the call — can we place you, at roughly what rate
No SSN, no credit pull, no obligation
Then one 10-minute application, shaped to the right bank

Prefer to start with the form? Begin the application →