Funding that fits how your trade gets paid.
Every industry has its own gap between paying for the work and being paid for it. Funders know those gaps, and so do we: which of them will look seriously at a trucking company or a medical practice, and which structure tends to fit. These are the twelve we work with most.
Construction
You front the job and wait to be paid for it.
Materials and payroll up front, payment 60 to 90 days later.
Trucking
Costs are immediate. Broker terms are not.
Fuel and drivers paid now, freight invoices paid later.
Restaurants and food
Slow months still carry full fixed costs.
Seasonal swings, equipment that fails at the worst time.
Auto services
Every repair ties up cash before it earns any.
Parts inventory, bay equipment, technician wages.
Medical and health
You deliver care long before you are reimbursed.
Insurance reimbursement cycles and clinical equipment.
Retail and e-commerce
Inventory is paid for months before it turns.
Stock bought ahead of the season that sells it.
Professional services
Payroll runs weekly. Clients pay quarterly.
Staffed engagements billed on 30 to 90 day terms.
Home services
Every truck has to be stocked before it earns.
Trucks, crews and parts on the road before the job is invoiced.
Hospitality
The off-season is when everything needs fixing.
Rooms sold by the season, renovated in the off-season.
Manufacturing and wholesale
The order is won before the material is bought.
Raw materials and machines paid for ahead of the orders they fill.
Salons and personal care
The book is full. The cash is not.
Chairs, build-outs and product paid for ahead of the appointments.
Fitness and recreation
The space is leased before the members arrive.
Memberships and events, with equipment and space paid for first.