Banks decline businesses by SIC code. We don't. From restaurants to trucking to law firms, we match you with the funders who actually fund your category — then make them compete for your business. $5K–$2M, funded in 24 hours.
We've funded thousands of these. Each one has its own cash-flow rhythm — and funders who understand it. Tap yours to see how funding works for your category.
Seasonal swings and thin margins scare banks. Our funders fund on your sales, not your SIC code.
Typical: $10K–$500KCommon uses: equipment, payroll, renovations, slow-season cash flow.
Explore restaurant funding →Get paid in draws but pay crews weekly? We bridge the gap so you never turn down a job.
Typical: $15K–$750KCommon uses: materials upfront, payroll between draws, new equipment.
Explore contractor funding →Tie up cash in lifts, tools, and parts inventory — and get it back the moment cars roll in.
Typical: $10K–$500KCommon uses: lifts, diagnostic tools, parts inventory, bay expansion.
Explore auto shop funding →Build-outs and chairs cost money before the first client books. Fund growth without draining savings.
Typical: $5K–$250KCommon uses: build-out, stations & chairs, product inventory, marketing.
Explore salon & spa funding →Fuel and repairs hit today; invoices pay in 30–60 days. We keep your rigs moving in between.
Typical: $15K–$1MCommon uses: fuel & repairs, new rigs, factoring slow invoices.
Explore trucking funding →Stock up before the rush without locking up working capital. Repay as the inventory sells.
Typical: $10K–$500KCommon uses: inventory buys, POS upgrades, seasonal stock, expansion.
Explore retail funding →One short form — revenue, time in business, and what you need. No obligation, $0 to apply.
We route your file to the funders who specialize in your exact industry — not a generic bank desk.
the right the right funders. You see the strongest 2–3 offers, and we explain the trade-offs plainly.
Pick the offer that fits. Most clients have money in the bank within a day of approval.
From a single salon chair to a fleet of trucks, we've helped small businesses across America get the capital their bank said no to.
Join them — apply free →Search or filter below. If you run it, we can almost certainly fund it.
Traditional banks underwrite to a narrow risk profile — predictable revenue, 2+ years in business, owner credit above 680, and an industry the underwriter has seen a hundred times before. Most small businesses fail at least one of those tests. Restaurants get declined for seasonal revenue swings. Trucking companies get declined for thin margins. Salons, gyms, and contractors get declined simply because the SIC code throws an automated flag. None of that means the business is risky — it means the bank’s model is rigid.
Alternative funders look at business performance the way an owner actually runs the business: monthly deposits, growth trajectory, customer concentration, and operating discipline. A trucking owner pulling $80K a month with 3 years of history is a strong file, even if his credit is 580 and he has no collateral. A restaurant with $45K a month and 12 months of operating history is fundable today — not after 2 more years of waiting on an SBA decision.
Bridge revenue gaps, cover payroll during slow weeks, buy inventory ahead of a busy season. Most owners use MCAs or revenue-based financing here.
A new truck, oven, lift, freezer, or chair. Equipment financing typically funds 80–100% of the purchase price with the equipment itself as collateral.
Build-out costs, deposits, opening payroll. Term loans or SBA loans for the cheapest capital; MCAs when speed beats rate.
Whichever industry you operate in, the application is identical: tell us your monthly revenue, time in business, and what you need the funds for. We’ll surface offers from the funders who specialize in your category — not just whoever happens to be in your local bank’s rolodex.