Built for the businesses lenders ignore
Tuned to the cashflow shape, rules, and lender preferences of each vertical we serve.
Delgado Logistics LLC
Strong file. Most lenders will price this, and SBA Express is in range.
What affects thisMCA stack detected. 2 positions at about $4,200 a month. See what a consolidation, a payoff, or one more advance each do to that number.
What came back
Advance refinance offer from Harbor Point Capital.
- Advance$55,000
- Cost of capital$15,400
Count · total $70,400
4 offers are on your file. Cost figures are estimated from the offer terms. Nothing funds until you review and accept.
Compare and acceptWhat needs attention
- MCA stack detected2 positions at about $4,200 a month. See what a consolidation, a payoff, or one more advance each do to that number.Compare your options
Approvals
| Funder | Amount | Rate and term | Status | Open |
|---|---|---|---|---|
| Summit Ridge FundingTerm loan | $75,000 | 18.9% APR 24 mo term | Approved | View offer |
| Harbor Point CapitalAdvance refinance | $55,000 | 1.28× factor 12 mo term | Approved | View offer |
| Harbor Point CapitalAdvance refinance | $45,000 | 1.22× factor 9 mo term | Approved | View offer |
| Cedar Vale CapitalLine of credit | $40,000 | 22.5% APR 12 mo term | Approved | View offer |
Capital decision intelligence
Your file is routed and pricing. Here is the coverage behind it.
4 approvals on your file. 3 more boxes clear if you want them competed, ranked by your cost.
Your money picture
What your file supports
Your strongest fit looks like a secured line of credit.
Estimate from your statements, not an offer.
- Business line of creditCaution$0A stretch. Consider it only if the stronger options fall through.
Fintech line (Bluevine/OnDeck floors: 600-625 FICO, $10k+/mo, 12mo TIB). Draws repay 6-12mo; new NSFs freeze it.
Not recommended until the file is stronger. - Cash advanceCaution$24,000A stretch. Consider it only if the stronger options fall through.
5-8 mo, factor 1.35-1.45, daily remittance. At $24,000: ~$1,292/wk ($267/day equiv).
Not your first move on this file. - Secured line of creditModerate$38,000Workable, but usually costs more than a line of credit.
PG + lien on receivables/assets; 12-24 mo; prices under exception unsecured.
Optional. Cheaper if you have collateral to pledge. - SBA loanHigh riskNot sizedNot a fit yet. See what to fix below.
Statements alone can NEVER decide SBA: DSCR >=1.1-1.15 off EBITDA from tax returns [SOP 50 10 8]. Needs 2-3yr returns, P&L, debt schedule, use of funds. 30-90 day timeline.
Not recommended until the file is stronger. - Debt consolidationModerate$33,600Workable, but usually costs more than a line of credit.
Pay off existing positions, one lower combined pull; needs payoff letters from every funder.
Available based on your file.
Consolidate Stack 2 first. Effective APR drops from 84% to 10.5%, which clears the SBA 7(a) bar.
Estimated capacity
$24,000 estimated - grade cap is the binding cap.
Money in, month by month
What you owe, and what it takes
- MCA100%
- Monthly revenueBest$48,000
- Monthly obligations$4,200
Count · bars in proportion, full width is $48,000
Your open positions
- Trinity Bay Funding$38,000 left$120/day · factor 1.32
- Nueces Advance Group$22,000 left$80/day · factor 1.28
Read from your connected account. Model a consolidation to see one combined payment.
What your file screens into
The products your statements cannot price on their own. Your file clears the usual floors on 1 of 3. These are estimates from your own record, not approvals.
- Business credit cardTop card match: a likely fitStrong odds
- Term loanEst up to $40,000 · 30-50% APRFair odds
- Equipment financingNeeds what you would buyNeeds data
No partner publishes business credit card, equipment financing in TX yet, so a screen there cannot be routed today.
What the score is made of
Each bar is that factor's score out of 100, weighted into your readiness total.
Next moves to grow on better terms
- Compare approvalsLeverage what lenders approved
Compare recorded terms on total payback and daily load before you accept. A cheaper lane may already be on your file.
- Run exit mathExit the MCA stack
Stacked daily debits shrink room for cheaper capital. Run consolidation, payoff, and SBA-path math before adding another advance.
- See SBA gapsSBA may fit with caveats
Some gates are open, others need work — time in business, debt service, or MCA payoff. See what to fix before you apply.
Four verticals we see most often
Nine verticals with a funding playbook written for them
Each one has its own page: the cashflow shape, what funders ask for first, and which products usually fit.
The cashflow shape, read off the account. This is a trade with daily debits; the playbook for it starts here.
Restaurants & hospitality
Thin margins and daily card sales make restaurants a prime target for merchant cash advances. There is almost always a cheaper option.
Construction & trades
Job costs land before the invoice clears. The gap between doing the work and getting paid is the whole financing problem.
Retail & ecommerce
Inventory ties up cash before a single sale. The job is financing the gap between buying stock and selling it.
Medical & dental
Insurance reimbursement is slow and expensive equipment is unavoidable. Both are financeable on good terms.
Trucking & logistics
Fuel and payroll are due now; freight invoices pay in weeks. Financing lives in that gap, and so do bad MCA deals.
Professional services
People, not inventory, are the cost. Financing smooths payroll and funds growth between client payments.
Salons & beauty
Steady card sales and booth-rent income look great to advance funders. Cheaper capital is usually within reach.
Auto repair
Parts and diagnostic equipment tie up cash, and warranty work pays late. Both are financeable on sane terms.
Home services
HVAC, plumbing, and electrical shops buy materials up front and face sharp seasonal swings. Flexible capital fits best.
Every vertical you can pick at signup
The same list the application itself offers, not a shorter one written for a brochure. There is no platform-wide trade we refuse: appetite is set by each funder in their own box rules, so a decline is one desk's answer and never the door.
Where appetite actually lives: one funder's own box, with the trades that desk will not take. Another desk's box is different.
- Restaurants and hospitality
- Construction and trades
- Retail and ecommerce
- Medical and dental
- Trucking and logistics
- Professional services
- Salons and beauty
- Auto repair
- Home services
- Manufacturing
- Wholesale and distribution
- Staffing and recruiting
- Real estate
- Technology and software
- Auto sales and dealerships
- Travel agencies and tour operators
- Digital asset and crypto services
- Cannabis and hemp
- Firearms and ammunition
- Gambling and gaming
- Adult entertainment
Trading in something not named here is fine; pick Other at signup and the file still gets read and routed. What varies is which funders it fits.
Capital matched to how your money actually moves
Daily card sales, progress billing, inventory cycles, freight invoices. We price what fits your cashflow shape first, and name what does not.
Don't see your exact trade?
Higher-risk verticals are welcome here. Appetite is set per funder, not by a platform ban list. Build a profile and see your fits.