Business Funding by Industry

Restaurants

High card volume makes restaurants a natural fit for holdback-based MCAs, while equipment financing covers ovens, refrigeration and POS systems.

Trucking

Freight factoring and truck financing are the backbone of trucking finance; MCAs help with emergency repairs.

Construction

Construction cash flow is lumpy — progress billing and retainage create gaps that lines of credit and factoring fill.

Medical Practices

Medical practices often qualify for strong terms thanks to stable revenue and high-value licensed owners.

Dental Practices

Dental practice lending is a specialty niche with long terms for acquisitions and equipment.

Retail Stores

Retailers use lines of credit and MCAs to stock up ahead of peak seasons.

Auto Repair Shops

Auto repair shops combine heavy equipment needs with steady card sales.

Salons & Barbershops

Salons and barbershops typically fund through card-sales-based advances and small equipment loans.

Ecommerce

Revenue-based financing integrates with Shopify, Amazon and Stripe data to fund inventory and ads.

Landscaping

Seasonality is the defining challenge — lines of credit smooth out winter months.

HVAC

HVAC contractors finance vehicles and stock while growing service agreements.

Plumbing

Plumbing businesses balance equipment purchases with working capital for growth.

Electrical Contractors

Commercial electrical contractors often factor invoices to manage net-60 terms.

Roofing

Storm-driven demand spikes require fast access to materials capital.

Cleaning & Janitorial

Commercial cleaning companies with net-30 contracts often use factoring.

Staffing Agencies

Staffing firms pay workers weekly but bill clients on terms — factoring is the classic fit.

Manufacturing

Manufacturers have access to SBA 504 for facilities and equipment.

Wholesale & Distribution

Distributors leverage receivables and inventory to secure revolving credit.

Hotels & Hospitality

Hotels use SBA 7(a) and 504 loans for property and improvement plans.

Bars & Nightclubs

Bars with strong card volume often qualify for revenue-based advances.

Food Trucks

Food trucks commonly finance the truck itself and use small advances for operations.

Gyms & Fitness Studios

Fitness equipment financing is widely available with the equipment as collateral.

Veterinary Clinics

Vet clinics often qualify for long-term practice lending.

Chiropractic Offices

Chiropractors fund equipment and growth with term loans and equipment financing.

Pharmacies

PBM reimbursement delays make working capital lines valuable for independent pharmacies.

Home Health Care

Medical receivables factoring helps bridge insurance payment cycles.

Daycare & Child Care

Child care centers often pursue SBA loans for facility expansion.

Real Estate Services

Brokerages use lines of credit to manage commission timing.

Property Management

Property managers rely on revolving credit for maintenance surges.

IT Services & Tech

Tech service firms with recurring contracts suit RBF and factoring.

Marketing Agencies

Agencies fronting ad spend for clients often need revolving credit.

Printing & Signage

Large-format printers are financed much like other industrial equipment.

Agriculture & Farming

Farms combine equipment financing with seasonal operating lines.

Auto Dealerships

Independent dealers use floor-plan lines and working capital.

Towing

Tow operators finance trucks and factor motor-club receivables.

Convenience Stores & Gas Stations

High card volume supports advances; SBA loans fund acquisitions.

Liquor Stores

Liquor stores use inventory-heavy working capital solutions.

Spas & Med Spas

Aesthetic devices are expensive and commonly financed or leased.

Cannabis-Adjacent Businesses (where legal)

Ancillary businesses (not plant-touching) in states where cannabis is legal may qualify with select providers; plant-touching operators face limited options due to federal law.

Professional Services (Law, Accounting)

Firms with steady billing often qualify for unsecured lines of credit.