The sectors we fund, and how each one reads

Every business is underwritten on its own account. Still, a laundromat and a general contractor produce very different bank statements, and knowing what normal looks like in your trade is half of underwriting it.

Sectors

The trades we already know well

Familiarity is worth something to you: an underwriter who has read forty restaurant accounts this year needs fewer questions answered about yours.

Retail and Convenience

Card volume all day and stock that has to be bought long before it sells. Most advances here go into inventory ahead of a season.

Restaurants and Hospitality

Heavy settlement volume, thin margins, and a walk-in compressor that fails on a Friday night. The single most common file we underwrite.

Construction and the Trades

Crews and materials are paid weeks before the draw clears. An advance or a factored progress bill covers the gap without touching the yard.

Trucking and Logistics

Brokers settle at 45 days while diesel, repairs and drivers all come due long before that. Factoring closes the gap on the freight bills; equipment financing handles the tractor.

Auto Sales and Repair

Parts bought on account, bays idle while a lift is down, and card takings every day the doors are open. A natural fit for daily remittance.

Medical and Dental Practices

Insurance reimbursement runs slow while payroll and chair equipment do not. Practices tend to use a line of credit alongside equipment financing.

We fund lawful businesses in every state, and the industry on your application is context rather than a verdict. What follows is simply where our book is heaviest, and what an underwriter here already knows about reading each one.

We do not fund gambling, adult entertainment, firearms dealing, cannabis at any point in the supply chain, or any activity unlawful under federal or state law.

The range

Six ways to put capital into a business

They price differently, they repay differently, and only one of them is a purchase rather than a debt. A paragraph each is enough to tell which conversation you want to have.