Business Financing by Industry
What a provider reads changes with the trade. Find the guide for yours.
Soft credit pull only, no obligation
- Same-day decisions
- from some providers
- Subject to provider approval and document turnaround.
- 700+
- industries served
- Reviews
Which industry page fits your business?
If you invoice and wait to be paid
If revenue arrives daily on cards
If you are buying a machine
If the business is seasonal
If your trade is not listed: the products are the same — start at all financing options or call us
What never changes: The funding provider decides and funds. Providers commonly look for 12 months in business, $15,000 in monthly revenue and credit from 525, depending on the funding provider. Some providers consider applications at these minimums. Meeting a minimum does not guarantee an offer.
Trades and the built environment
Construction and contractors
Financing for construction companies and contractorsRetainage, draw schedules and the gap between finishing the work and being paid for it.
Home services and trades
Financing for home services and specialty tradesVans, tools and the hiring that a busy season demands before the season pays for it.
Landscaping and lawn care
Financing for landscaping companiesSeasonal revenue, equipment that earns in a short window, and crews paid year round.
Cleaning and janitorial
Financing for cleaning companiesContract work billed in arrears, with payroll running weekly against it.
Food, retail and consumer
Restaurants and food service
Financing for restaurantsDaily card volume, thin margins, equipment that fails.
Grocery and convenience
Financing for grocery and convenience storesRefrigeration, fuel and licensing, on margins measured in single digits.
Salons and barbershops
Financing for salons, spas and barbershopsBuild-out, chairs, stations and the slow build of a book of clients.
Fitness centers and gyms
Financing for gyms and fitness centersEquipment, memberships billed monthly, and a January that pays for the year.
Health, professional and services
Medical and healthcare
Financing for medical practicesEquipment against its useful life, and insurance reimbursement that arrives late.
Dental practices
Financing for dental practicesChairs, imaging and practice acquisition, usually on longer schedules.
Professional services
Professional services financingPayroll-heavy businesses with few assets to pledge and long client terms.
Daycare and childcare
Financing for daycare centersBuild-out and fencing that last years, against an intake that enrolls in weeks.
Goods, freight and trade
Wholesale and distribution
Financing for wholesalers and distributorsBought on one set of terms, sold on another.
Transportation and logistics
Financing for trucking and logistics companiesDelivered loads waiting on a broker's terms, and trucks as collateral.
Auto repair and automotive services
Financing for auto repair shopsLifts, diagnostics and the parts bill that lands before the customer pays.
How to use these pages
Each page answers four questions in the trade's own language: what businesses like yours finance, which product fits, what a provider reads in your file, and where it stops fitting.
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Read them before you apply, not instead. If you know what you need, all financing options is shorter.
Why the trade matters to a provider
Providers read the same things in every file: time in business, deposits, credit and what the money is for. The trade changes how those look.
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Contractors are paid in lumps, months late; restaurants daily, in small sums; carriers on brokers' terms.
Frequently asked questions
In short
Providers in our network fund over 700 industries. Twenty of them have a dedicated guide, because what a provider reads in a file changes with the trade: a contractor is judged on retainage and draws, a restaurant on card volume, a carrier on who pays the invoice. Start with yours.
What industries does Capital Gurus work with?
Capital Gurus works with businesses in over 700 industries, from construction, trucking and restaurants to medical practices, retail, salons and e-commerce. Twenty industries have dedicated pages with the products that fit them best, for example equipment financing for contractors and invoice factoring for carriers. Some funding providers restrict certain industries, which is exactly why we match each file to the providers whose guidelines accept it.
Does my industry change which products I can get?
It changes which ones fit, and sometimes which providers will look. A business that invoices other businesses can use factoring; one paid in cash at the register cannot. A business with a machine to pledge reaches equipment financing on terms a payroll-only business will not see. The ladder is the same; the rungs you can reach differ.
Are some industries harder to fund than others?
Some are. Acceptance is genuinely industry-specific, and a trade one provider restricts another may accept. Businesses handling cash, regulated products or long project cycles tend to see more questions. That is a reason to describe the business accurately on the application, not a reason to avoid applying.
Does applying through an industry page change anything?
No. There is one application for the whole site, it takes about 5 minutes, and it is a soft credit pull only. The industry pages exist to help you work out what to ask for before you apply, and to tell an advisor what kind of file they are reading.
Which product should I start with for my industry?
Each industry page leads with the product that fits that trade most often, and says plainly where it does not fit. If you would rather compare products first, all financing options sets out the full ladder and what each one is for.
Still have a question?
talk to a funding advisorKeep reading
Decisions from some providers the same day, depending on the provider.
Subject to provider approval and document turnaround.
about 5 minutes, soft credit pull only · talk to a funding advisor