Eight industries we know well
A restaurant runs out of cash for a different reason than a carrier does, and the instrument that closes the gap follows from that reason. Each page starts with the reason.
- Restaurants & food service Thin margins, daily receipts, and equipment that fails at the worst possible moment.
- Trucking & logistics Fuel and drivers are paid now. Brokers pay in thirty to sixty days.
- Construction & contracting Materials up front, progress billing, retainage held to the end.
- Retail Inventory is bought months before the season that sells it.
- Medical & dental practices Insurance reimbursement is slow, and the equipment is expensive.
- Auto repair & service Parts and diagnostics are bought before the ticket is paid.
- Salons & spas Chair rent and retail stock against appointment-driven revenue.
- Ecommerce & online retail Inventory and ad spend go out before the payout processor settles.
Beyond this list
These eight are the industries we see most often, so they get their own page. They are not a limit. Most operating businesses with six months of trading and consistent deposits are placeable somewhere.
A small number of categories are restricted by most funders. Rather than guess, ask on the first call, and we can usually tell you in a minute.
Tell us what the money is for
The use of funds decides the instrument. Start there and the rest follows.