Funding by industry
Every trade borrows for different reasons and gets judged on different things. Pick yours to see what usually fits, a worked example and who it is not for.
Construction & trades · Food & hospitality · Retail · Auto & transport · Health & personal care · Services · Other
Construction & trades
Construction (all trades)
An overview for every trade: materials up front, draws and holdbacks later.
Construction (all trades) funding →General contractors
Pay subs before the draw clears, without stalling the next job.
General contractors funding →Roofing
Crew and material bills land weeks before the insurance cheque does.
Roofing funding →HVAC
Furnace and AC replacements sell fast; the truck and the stock need paying for now.
HVAC funding →Plumbing
A burst pipe call doesn't wait for the parts account to clear.
Plumbing funding →Electrical
Panel and wire prices move fast; your payment terms usually don't.
Electrical funding →Landscaping & snow removal
Two seasons, one payroll: fund the mowers and the plows separately.
Landscaping & snow removal funding →Painting
Paint, sprayers and crew wages go out before the job is even half done.
Painting funding →Flooring
Material is ordered and paid for weeks before the install crew even shows up.
Flooring funding →Concrete & paving
Concrete trucks and asphalt don't wait for a 45-day invoice to clear.
Concrete & paving funding →Remodeling & renovation
The client's draw schedule rarely lines up with when materials are due.
Remodeling & renovation funding →Excavation
Fuel, repairs and iron payments don't pause for a 60-day invoice.
Excavation funding →Fencing & decks
Lumber and post prices move before your next homeowner deposit does.
Fencing & decks funding →Solar installers
Panels are installed and paid for months before utility interconnection and rebates clear.
Solar installers funding →Pool builders
Excavation, gunite and tile go out before the homeowner's next draw does.
Pool builders funding →Food & hospitality
Restaurants
Kitchen breakdowns, slow seasons, renovations and second locations.
Restaurants funding →Bars & pubs
Fund a draft system, a patio build or a slow winter without guessing at the cost.
Bars & pubs funding →Cafés & bakeries
Fund an oven, a walk-in or a second location on numbers that add up.
Cafés & bakeries funding →Food trucks
Fund a truck repair, a new rig or the slow winter months.
Food trucks funding →Catering
Fund staffing, equipment and the gap between a deposit and the final invoice.
Catering funding →Hotels & motels
Fund a renovation, an HVAC replacement or a slow off-season.
Hotels & motels funding →Event venues
Fund a build-out, AV upgrade or the gap before deposits turn into revenue.
Event venues funding →Retail
Convenience stores
Fund a cooler repair, an inventory buy or a slow stretch on thin margins.
Convenience stores funding →Grocery stores
Fund a cooler, a renovation or a big produce buy without guessing at the cost.
Grocery stores funding →Liquor stores
Fund a licence renewal, an inventory buy or a cooler repair.
Liquor stores funding →Clothing boutiques
Fund a seasonal inventory buy, a store refresh or a slow month between collections.
Clothing boutiques funding →Furniture stores
Fund a showroom inventory buy, a delivery truck or a slow selling month.
Furniture stores funding →Jewelry stores
Fund a holiday inventory buy, a security upgrade or a slow month.
Jewelry stores funding →Florists
Fund a Valentine's Day buy, a cooler repair or the slow weeks in between.
Florists funding →Ecommerce
Fund inventory, ads or a slow month using your payment processor's own numbers.
Ecommerce funding →Pharmacies
Fund front-store inventory or bridge slow insurance reimbursement timing.
Pharmacies funding →Auto & transport
Trucking
Get paid on delivered loads faster and finance the trucks that haul them.
Trucking funding →Auto repair
Lifts, diagnostic tools and bays that need to stay busy.
Auto repair funding →Car dealerships
Lot costs, reconditioning and the wait between sales.
Car dealerships funding →Towing
Trucks that cost real money and calls that never wait.
Towing funding →Auto body
Insurer payments lag while parts and labour go out now.
Auto body funding →Limo & transport services
Vehicles cost the most and bookings swing by season.
Limo & transport services funding →Health & personal care
Salons & spas
Renovations, chairs and treatment beds, backed by steady card sales.
Salons & spas funding →Medical & dental
Clinical equipment, build-outs and gaps while insurers pay.
Medical & dental funding →Chiropractic & physiotherapy
Tables, modalities and a build-out, paid back over time.
Chiropractic & physiotherapy funding →Veterinary clinics
Imaging, surgical suites and a mix of card and account clients.
Veterinary clinics funding →Barbershops
Chairs, a renovation, and card sales that show up daily.
Barbershops funding →Gyms & fitness studios
Equipment up front, memberships paid back monthly.
Gyms & fitness studios funding →Med spas
Aesthetics equipment paid off by steady card-paid visits.
Med spas funding →Services
Cleaning & janitorial
Bridge the gap between payroll every week and client invoices paid every month.
Cleaning & janitorial funding →Daycare & child care
Fund a build-out or bridge a subsidy payment without slowing down licensing.
Daycare & child care funding →Staffing agencies
Fund weekly payroll for placed workers while client invoices sit on 30 to 60 day terms.
Staffing agencies funding →IT & managed service providers
Cover hardware, licensing and payroll while enterprise clients pay on their own schedule.
IT & managed service providers funding →Marketing & creative agencies
Front ad spend and payroll while retainer invoices sit on net-30 or net-60 terms.
Marketing & creative agencies funding →Printing & commercial print
Finance a press or bridge net-30 invoices without tying up working capital.
Printing & commercial print funding →Laundromats & dry cleaners
Fund a new machine or a buildout around steady coin, card and drop-off revenue.
Laundromats & dry cleaners funding →Pet grooming & boarding
Fund a grooming table, a kennel expansion or a slow month on steady card sales.
Pet grooming & boarding funding →Security guard & patrol companies
Fund guard payroll every week while commercial and government contracts pay on net terms.
Security guard & patrol companies funding →Moving companies
Finance a truck or bridge a slow winter around a heavy summer moving season.
Moving companies funding →Law firms
Bridge the gap between advancing case costs and getting paid for them.
Law firms funding →Accounting & bookkeeping firms
Smooth out the gap between a packed tax season and the eleven quieter months.
Accounting & bookkeeping firms funding →Funeral homes
Keep the fleet, the facility and cash flow steady, regardless of call volume.
Funeral homes funding →Self-storage facilities
Fund an expansion, a security upgrade or a slow-season gap without selling units.
Self-storage facilities funding →Other
Manufacturing
Raw materials and purchase orders paid before customers pay you.
Manufacturing funding →Wholesale & distribution
Inventory bought now, invoices paid on business terms.
Wholesale & distribution funding →Agriculture
Seasonal cycles, equipment that costs more every year.
Agriculture funding →Franchises
Franchise fees, a build-out, and the franchisor's sign-off.
Franchises funding →We do not refer cannabis, adult, firearms or gambling businesses.
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