From restaurants to law firms, auto shops to daycares — if you run a business, we can find you funding. Browse all 50+ industries below.
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 lenders 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 lenders who specialize in your category — not just whoever happens to be in your local bank’s rolodex.