Business funding, by industry

Every industry's cash flow reads differently to a funder - seasonality, deposit rhythm, what the capital converts into. These guides explain how underwriting actually sees your business, what files like yours typically support, and what it takes to qualify. $10K to $2M, no hard credit pull to apply.

Restaurants run on tight margins and daily card volume. When a walk-in dies or a slow season hits, payroll and vendors do not wait - and banks rarely move at kitchen speed.

Trucking & Transportation

Trucking cash flow lives in the gap between hauling a load and getting paid for it. Fuel, insurance, and repairs are due today; broker payments land in 30 to 60 days.

Construction & Contractors

Construction money arrives in draws and finals - but crews, materials, and equipment rentals bill weekly. The gap between mobilization and first draw is where good contractors get squeezed.

Medical & Dental Practices

Practices carry a cash-flow quirk: strong revenue on paper, slow insurance reimbursements in the bank. Equipment, staff, and buildouts cannot wait on a payer 45 days out.

Retail is an inventory game: the money you make in Q4 is committed in Q3, and a missed buying window is revenue you never see. Banks do not move at merchandising speed.

E-commerce & Online Sellers

Online sellers live between ad spend, inventory lead times, and platform payout schedules. Growth eats cash exactly when revenue looks best.

Auto Repair Shops

Shops make money on bays being full - and lose it when a lift is down, a tech leaves, or parts pricing jumps. Ticket sizes are healthy but the calendar is unforgiving.

HVAC is a seasonal sprint: summer and deep winter print money, shoulder seasons burn it. The companies that win are staffed and stocked before the first heat wave, not during it.

Landscaping & Lawn Care

Landscaping runs on route density and equipment uptime, with revenue that follows the growing season. Commercial contracts smooth it; equipment failures wreck it.

Salons are appointment books converted to card batches - steady, predictable, and chair-limited. Growth means chairs, space, or product lines, and all three cost money up front.

Gyms & Fitness Studios

Membership revenue is the best kind of revenue - until equipment ages, a franchise refresh comes due, or January capacity means turning people away.

Cleaning Services

Commercial cleaning is contract math: win the account, staff it, float payroll until the invoice pays. Every new contract is profitable on paper and cash-hungry in month one.

Liquor Stores & Convenience

High-frequency, high-consistency revenue with inventory that never stops turning. The constraint is buying power: better pricing lives in bigger orders.

Staffing Agencies

Staffing is a payroll-float business: you pay the workers this Friday, the client pays you in 30 or 45 days. Growth multiplies the gap.

Manufacturing & Fabrication

Manufacturers buy materials months before finished goods pay. Purchase orders are promises; payroll and suppliers are due now.

Wholesale & Distribution

Distribution margins are thin and volume is everything - which makes buying power the whole game. The best pricing goes to whoever can write the biggest check.

Towing & Roadside

Towing revenue is 24/7 and unpredictable by the hour, steady by the month. Trucks are the business - and a truck down is revenue gone.

Daycare & Childcare

Childcare centers run on enrollment and ratios: revenue is stable tuition, costs are staff, and growth means space. Licensing makes every expansion a capital project.

Auto Dealers & Lots

Independent dealers live on inventory turn: every car on the lot is capital parked, and the best buying opportunities never wait for a floor-plan increase.

Plumbing Companies

Plumbing revenue splits between emergency service calls and scheduled jobs. Trucks, techs, and parts bill every week - and a slow week with a van down eats the margin fast.

Electrical Contractors

Electricians finish the work before the money lands. Draw schedules and net-30 GC payments set the pace while payroll and material bills run weekly - and copper pricing never waits.

Roofing Companies

Roofing money arrives in lumps - insurance settlements, financed retail jobs, commercial contracts - while crews and materials bill every week. After a storm the pipeline explodes, and cash is the constraint on how much of it you can catch.

Moving Companies

Moving is a calendar business: end-of-month spikes, summer peaks, a winter trough. Trucks, crews, and insurance bill all year, but the season decides when the revenue shows up.

Pest control is route economics on top of subscription revenue. Monthly and quarterly service plans compound into a predictable book, and one-time jobs fill in around them.

Independent pharmacies run big toplines on thin margins. Deposits are dominated by third-party payer remittances landing on their own schedules, while wholesaler drafts pull out of the account like clockwork.

Dental Practices

Dental revenue is recurring by design: hygiene recall refills the schedule months out, insurance pays on rhythm, and patient portions land same day by card. Growth means chairs, operatories, and equipment - all capital up front.

Hotels & Motels

Hotels settle revenue every night the doors are open, but the calendar and the market decide how good those nights are. Payroll, franchise fees, and upkeep run year round; occupancy does not.

Bars & Nightclubs

Bar revenue lives on the weekend. Thursday through Saturday prints the week, the card batches land in a Monday pile, and a lost Saturday hurts more than a dead month of Tuesdays.

A food truck is a restaurant with one point of failure and no rent. Revenue follows the calendar - lunch service, festivals, private events - and the truck itself is both the kitchen and the constraint.

Do not see your industry? We fund most U.S. small businesses with six months of history and $10K a month in deposits. Check what you could qualify for or call (727) 269-9573.