01Industries
We read your statements the way your industry actually banks.
Covered in detail
An underwriter who does not know your sector reads a draw schedule as instability, a factored invoice as a shrinking business, and a booth-rent salon as a quiet one. None of those readings is correct, and each of them costs a file. These pages exist so yours is read properly the first time.
02The sectors
Pick the one that describes your business.
Each page covers how the money arrives, what that makes your bank statements look like, what the funding is usually for, and what tends to complicate a file in that sector specifically.
01
Construction and trades
Paid on draw schedules, months after the materials were bought.
How we fund it02
Restaurants and hospitality
Daily card settlement, which is the cleanest profile a funder can read.
How we fund it03
Trucking and logistics
Fuel leaves long before the load settles, and factoring changes the whole file.
How we fund it04
Medical and dental practices
Earned at the chair, received weeks later from an insurer.
How we fund it05
Retail and e-commerce
Stock is bought a quarter before the quarter that pays for it.
How we fund it06
Auto repair and sales
Two businesses under one heading, with opposite bank statements.
How we fund it07
Manufacturing
The gap between buying materials and being paid decides the instrument.
How we fund it08
Wholesale and distribution
High volume at slight margin, so the funding has to earn its cost.
How we fund it09
Professional services
Real revenue, and almost nothing a lender can take security over.
How we fund it10
Salons and wellness
Booth rent decides how much of the revenue reaches the account.
How we fund it11
Landscaping and grounds care
The most seasonal sector here, so the product matters more than the price.
How we fund itNot listed is not the same as not funded. These are the sectors we see most often and can write about usefully. If yours is not here, the qualification floor is the same and the answer is a phone call away.
03What does not change
The floor is the same in every sector.
Industry changes how a file is read. It does not change what has to be true before there is a file at all.
Every sector, same floor
- 18 months trading, whatever the industry
- $10,000+ in average monthly deposits
- Credit considered from 500, read rather than obeyed
- A US business bank account that funding arrives in and repayment leaves from
04Outside what we do
What we cannot place, in any sector.
A page listing industries we serve, with nothing on the other side of it, would quietly withdraw a promise the rest of this site makes. So here is the other side.
- Businesses under the time-in-business floor, in any sector on this page
- Start-ups with no trading history, since there are no receivables to price
- Personal or consumer funding of any kind
- Sectors declined across the funding market, which we will tell you about immediately rather than after a week of document gathering
Your sector changes the reading, not the route.
Whichever page describes you, the next step is the same: the application, which takes about fifteen minutes, or a phone call if you would rather ask first whether it is worth starting.