Business Financing by Industry
A contractor waiting on a retainage payment has a different financing need than a veterinarian upgrading diagnostic equipment. Generic business loans ignore these differences. Our industry programs are built around the cash flow patterns, equipment cycles, and growth challenges specific to each sector.
85% approval rate across all industries. Funding from $5K to $10M in as fast as 24 hours.
Industries We Serve
Construction
Bridge capital for retainage gaps, equipment financing for heavy machinery, and working capital to bid on larger projects. We understand construction payment cycles — progress billing, retainage holdbacks, and seasonal slowdowns. Funding from $20K to $5M.
Healthcare
Financing for medical practices, dental offices, and clinics. Bridge insurance reimbursement delays, fund equipment upgrades (imaging, diagnostic, dental chairs), or expand to a second location. We work with the 30-90 day insurance payment lag that defines healthcare cash flow.
Restaurants
Capital for renovations, kitchen equipment, second locations, or covering slow-season cash flow gaps. Restaurant margins are tight and seasonal — our programs account for that with flexible repayment structures tied to revenue, not fixed monthly payments.
Retail
Inventory financing, store buildouts, POS upgrades, and working capital to stock up before peak seasons. Whether you run a single storefront or a multi-location operation, we structure funding around retail's inventory-heavy, seasonal cash flow patterns.
Trucking & Transportation
Fleet expansion, vehicle replacement, fuel advances, and freight factoring. Trucking businesses run on tight margins with high capital requirements. Equipment financing uses the vehicles as collateral. Invoice factoring converts freight bills to immediate cash.
Manufacturing
Equipment purchases, raw material inventory, facility expansion, and working capital to manage long production cycles. Manufacturing requires capital upfront but gets paid on delivery — we bridge that gap with terms that match your production timeline.
HVAC
Vehicle and equipment financing for service fleets, working capital for seasonal demand swings, and growth capital for adding residential or commercial service lines. HVAC businesses peak in summer and winter — our financing structures flex with your revenue cycle.
Automotive Services
Financing for auto repair shops, body shops, tire shops, and detailing businesses. Cover lift installations, diagnostic equipment, facility upgrades, or expand into additional service bays. Equipment financing and working capital from $20K to $2M.
Veterinary Practices
Fund diagnostic equipment (X-ray, ultrasound, lab analyzers), practice acquisitions, facility renovations, or hiring additional veterinarians. Veterinary practices have strong recurring revenue — our underwriting recognizes that stability.
Beauty & Wellness
Salon buildouts, spa equipment, franchise expansion, and working capital for beauty and wellness businesses. Whether you're opening a new location or renovating an existing space, we fund the physical infrastructure that drives client experience.
Why Industry-Specific Financing Matters
A bank sees "small business loan application." We see a contractor who needs $200K to bid on a municipal project and will get paid in 90-day progress installments. That context changes the product, the terms, and the approval decision.
Our underwriters specialize by industry. They know your margins, your payment cycles, and your growth patterns. That means faster approvals, better-fit products, and terms that work with your cash flow instead of against it.
Don't see your industry? We fund businesses across dozens of sectors. Contact us to discuss your specific situation, or explore our financing products to find the right fit.
