Industries we lend to
Industry-specific guidance on working capital, equipment financing, lines of credit, MCAs, and SBA loans. Each industry has different revenue patterns, seasonality, and best-fit products — these pages cover the operational details that matter for owners shopping for capital.
Restaurant & Food Service
Strong cash flow with seasonal swings; weekly revenue is the primary qualification metric. Most restaurants qualify for working capital advances based…
Auto Repair & Body Shop
Project-based cash flow (insurance settlements, customer payments). Insurance-heavy shops have predictable revenue but slow-pay cycles.…
Medical & Dental Practice
Insurance + patient-pay mix; insurance reimbursement creates 30-90 day AR float. High monthly revenue once established but cash conversion lags.…
Construction & Trades
Project-based with progress-payment cycles; substantial WIP (work-in-progress) and AR; cash flow tied to milestone billing.…
Retail & E-commerce
POS or platform-deposit cash flow; strong seasonal patterns (Q4 dominant for most retail; back-to-school, holidays for specialty).…
Trucking & Transportation
Load-based revenue; broker payment cycles 30-60 days; fuel + maintenance + driver pay are the main variable costs.…
Professional Services
Hourly or project-based billing; AR float varies by client mix (corporate clients 60-90 days, SMB clients 15-30 days).…
Beauty, Salon & Spa
Service revenue + retail product sales mix; mostly card / app-based payment with steady weekly revenue.…
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