# Business Financing by Industry 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. [See your financing options](https://capitalgurus.com/apply/) · [(725) 425-4307](tel:+17254254307) Soft credit pull only, no obligation. - Same-day decisions from some providers. Subject to provider approval and document turnaround. - 700+ industries served - Reviews: [Trustpilot](https://www.trustpilot.com/review/capitalgurus.com) · [Google](https://g.page/r/Cf6zosahxIXzEBM/review) · [BBB](https://www.bbb.org/us/nv/las-vegas/profile/small-business-loans/capital-gurus-1086-90086762) ## Which industry page fits your business? - **If you invoice and wait to be paid**: [Construction](https://capitalgurus.com/industries/construction/) · [Transportation](https://capitalgurus.com/industries/transportation/) · [Manufacturing](https://capitalgurus.com/industries/manufacturing/) · [Wholesale](https://capitalgurus.com/industries/wholesale/) - **If revenue arrives daily on cards**: [Restaurants](https://capitalgurus.com/industries/restaurants/) · [Retail](https://capitalgurus.com/industries/retail/) · [Salons](https://capitalgurus.com/industries/salons/) · [Gyms](https://capitalgurus.com/industries/gyms/) - **If you are buying a machine**: [Construction](https://capitalgurus.com/industries/construction/) · [Manufacturing](https://capitalgurus.com/industries/manufacturing/) · [Medical](https://capitalgurus.com/industries/medical/) · [Dental](https://capitalgurus.com/industries/dental/) - **If the business is seasonal**: [Landscaping](https://capitalgurus.com/industries/landscaping/) · [Retail](https://capitalgurus.com/industries/retail/) · [Hotels](https://capitalgurus.com/industries/hotels/) · [Home services](https://capitalgurus.com/industries/home-services/) **If your trade is not listed**: the products are the same — start at [all financing options](https://capitalgurus.com/loans-and-financing/) or [call us](tel:+17254254307) **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** — Retainage, draw schedules and the gap between finishing the work and being paid for it. [Financing for construction companies and contractors](https://capitalgurus.com/industries/construction/) - **Home services and trades** — Vans, tools and the hiring that a busy season demands before the season pays for it. [Financing for home services and specialty trades](https://capitalgurus.com/industries/home-services/) - **Landscaping and lawn care** — Seasonal revenue, equipment that earns in a short window, and crews paid year round. [Financing for landscaping companies](https://capitalgurus.com/industries/landscaping/) - **Cleaning and janitorial** — Contract work billed in arrears, with payroll running weekly against it. [Financing for cleaning companies](https://capitalgurus.com/industries/cleaning/) ## Food, retail and consumer - **Restaurants and food service** — Daily card volume, thin margins, equipment that fails. [Financing for restaurants](https://capitalgurus.com/industries/restaurants/) - **Retail stores** — Inventory bought ahead of a season that has not arrived. [Financing for retail stores](https://capitalgurus.com/industries/retail/) - **Grocery and convenience** — Refrigeration, fuel and licensing, on margins measured in single digits. [Financing for grocery and convenience stores](https://capitalgurus.com/industries/grocery/) - **Salons and barbershops** — Build-out, chairs, stations and the slow build of a book of clients. [Financing for salons, spas and barbershops](https://capitalgurus.com/industries/salons/) - **Fitness centers and gyms** — Equipment, memberships billed monthly, and a January that pays for the year. [Financing for gyms and fitness centers](https://capitalgurus.com/industries/gyms/) - **Hotels and hospitality** — Room refits, shoulder seasons and nonstop laundry. [Financing for hotels](https://capitalgurus.com/industries/hotels/) - **Gas stations** — Fuel, pumps and compliance work with firm deadlines. [Financing for gas stations](https://capitalgurus.com/industries/gas-stations/) ## Health, professional and services - **Medical and healthcare** — Equipment against its useful life, and insurance reimbursement that arrives late. [Financing for medical practices](https://capitalgurus.com/industries/medical/) - **Dental practices** — Chairs, imaging and practice acquisition, usually on longer schedules. [Financing for dental practices](https://capitalgurus.com/industries/dental/) - **Professional services** — Payroll-heavy businesses with few assets to pledge and long client terms. [Professional services financing](https://capitalgurus.com/industries/professional-services/) - **Daycare and childcare** — Build-out and fencing that last years, against an intake that enrolls in weeks. [Financing for daycare centers](https://capitalgurus.com/industries/daycare/) ## Goods, freight and trade - **Transportation and logistics** — Delivered loads waiting on a broker's terms, and trucks as collateral. [Financing for trucking and logistics companies](https://capitalgurus.com/industries/transportation/) - **Manufacturing** — Machine tools and long production cycles. [Financing for manufacturers](https://capitalgurus.com/industries/manufacturing/) - **Wholesale and distribution** — Bought on one set of terms, sold on another. [Financing for wholesalers and distributors](https://capitalgurus.com/industries/wholesale/) - **E-commerce** — Stock bought months before it sells. [Financing for e-commerce businesses](https://capitalgurus.com/industries/ecommerce/) - **Auto repair and automotive services** — Lifts, diagnostics and the parts bill that lands before the customer pays. [Financing for auto repair shops](https://capitalgurus.com/industries/auto-repair/) ## 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. Read them before you apply, not instead. If you know what you need, [all financing options](https://capitalgurus.com/loans-and-financing/) 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. Contractors are paid in lumps, months late; restaurants daily, in small sums; carriers on brokers' terms. ## Keep reading ### Related pages - [All financing options](https://capitalgurus.com/loans-and-financing/) - [Types of business loans](https://capitalgurus.com/guides/types-of-business-loans/) - [What providers ask for in an application](https://capitalgurus.com/guides/business-loan-requirements/) ### From the blog - [How does a business line of credit fit for contractors?](https://capitalgurus.com/blog/business-line-of-credit-for-contractors/) - [Strategically using equipment financing for restaurant expansion](https://capitalgurus.com/blog/equipment-financing-for-restaurants/) - [How to choose equipment financing for your medical practice](https://capitalgurus.com/blog/equipment-financing-for-medical-practices/) - [Why a line of credit makes sense for the trucking industry](https://capitalgurus.com/blog/business-line-of-credit-for-trucking-companies/) [All articles](https://capitalgurus.com/blog/) ## Frequently asked questions ### 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 advisor](https://capitalgurus.com/contacts/) ## Decisions from some providers the same day, depending on the provider. Subject to provider approval and document turnaround. [Apply now](https://capitalgurus.com/apply/) · [Call (725) 425-4307](tel:+17254254307) About 5 minutes, soft credit pull only · [talk to a funding advisor](https://capitalgurus.com/contacts/) By the Capital Gurus Editorial Team · Reviewed by Joseph Wartz · [Editorial policy](https://capitalgurus.com/editorial-policy/) --- Source: https://capitalgurus.com/industries/ · Last reviewed 2026-10-28 · Capital Gurus is not a lender.