December and January. The loan peak period of home textile industry is usually at the beginning of the year and the middle of the year, because the sales peak season of home textile industry is mainly around traditional festivals such as Spring Festival and Mid-Autumn Festival, generally at the beginning of the year and the middle of the year. In this period, home textile enterprises need a lot of money to stock up, produce and promote their products, so they need to apply for loans from banks to meet their capital needs.