Built for the businesses lenders ignore
Tuned to the cashflow shape, rules, and lender preferences of each vertical we serve.
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 products, states and knockouts that desk set. 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.