Business Funding by Industry
Every trade gets paid differently. Find the funding page built for how your business actually moves money.
A diner, a freight carrier, and a dental practice all hit cash-flow gaps, but they hit them in completely different ways. Card batches settle Monday. Brokers pay net-45. Insurers reimburse in 60 days. A review that understands your trade reads the right signals instead of penalizing the way your industry normally moves money.
Each page below is built for how that trade actually gets paid. Find yours, or start from the plain-English working capital guide if you want the big picture first.
Find your trade
Restaurants and food service
Daily card batches, vendor COD, and seasonal swings are normal here, not red flags. See restaurant business funding.
Trucking and freight
Owner-operators and fleets reviewed on settlements and deposits, with factoring read as normal revenue. See trucking business funding.
Construction and contractors
Draw-based, lumpy cash flow is expected; the review reads deposits across jobs, not one billing cycle. See construction contractor funding.
E-commerce and online sellers
Processor and marketplace volume counts, and peak-season inventory buys are normal. See e-commerce inventory funding.
Auto repair shops
Ticket-based deposits and the parts COD cycle are read in context, for one bay or six. See auto repair shop funding.
Medical practices
Reviewed on collections with insurance reimbursement lag built in, solo practice or group. See medical practice funding.
Dental practices
Production fills the chair months before collections land, and the review accounts for that. See dental practice funding.
Beauty salons and med spas
Chair, booth, and service-based revenue reviewed on deposits and bank activity. See beauty salon and med spa funding.
Retail stores
Storefront and seasonal sales read in context, with inventory buys treated as normal. See retail store funding.
HVAC, plumbing, and the trades
Seasonal demand and materials-before-payment are expected for service trades. See HVAC and plumbing business funding.
Cleaning and janitorial
Recurring contracts and payroll-heavy cash flow reviewed on deposits across clients. See cleaning business funding.
Funding with bad credit
If credit is the worry, a revenue-first review weighs deposits and bank activity first. See bad credit business funding.
Frequently asked
Why does the industry matter for funding?
Because each trade gets paid on a different clock. A review that understands card batches, settlements, draws, or reimbursement lag reads your deposits the right way instead of mistaking a normal pattern for a problem.
My business is not on the list. Can I still get reviewed?
Yes. The review is based on your revenue and bank activity rather than your category, so many businesses outside the listed trades still fit. A specialist can review your file. Approval depends on underwriting.
Does seasonality count against me?
Not on its own. Seasonal swings are expected in many trades, and underwriting looks at your deposit pattern across months rather than a single slow week.
Ready to check?
See what your business may qualify for.
Still researching? Keep reading the guides below. If you would rather see specifics, the 2 minute check gives you a rough working-capital range based on your revenue and bank activity. It is an estimate, not an offer. You may qualify; approval depends on underwriting.
FundVella is not a lender. A factor rate is not an APR. No obligation to accept an offer.
Keep reading
This article is general education, not financial, legal, or tax advice. Examples are illustrative and not offers. A factor rate is not an APR and the two are not interchangeable. FundVella is not a lender or bank; funding options, amounts, costs, and timing depend on underwriting and are not guaranteed.
Important disclosure
This is not a commitment to lend and is not a bank loan. Funding options, amounts, and timing depend on underwriting and documentation; approval is not guaranteed. Any payments must fit your business cash flow. Submitting your information places you under no obligation. A funding specialist may contact you to review your inquiry. See our disclosures and privacy policy.