Capital Structured for How Your Industry Actually Works
Every industry has its own cash-flow rhythm. We underwrite with that rhythm in mind — nationwide, across all 50 states.
Contractors & Construction
You front the costs — labor, materials, mobilization — and get paid on someone else's schedule. Progress payments, retainage, and net-60 GCs create a cash-flow gap that kills growth for even profitable contractors.
- ✓Mobilization costs on new jobs
- ✓Materials ahead of draw schedules
- ✓Equipment purchase and repair
- ✓Payroll between progress payments
- ✓Bonding and insurance requirements
Restaurants & Food Service
Thin margins, seasonal swings, and equipment that fails at the worst possible moment. Restaurant funding has to move fast and flex with revenue — which is exactly how our programs are structured.
- ✓Kitchen equipment replacement
- ✓Renovations and expansions
- ✓Seasonal cash-flow smoothing
- ✓Inventory for peak periods
- ✓Second location openings
Medical & Dental Practices
Insurance reimbursement cycles create constant working-capital pressure, while staying competitive demands continuous investment in equipment and technology.
- ✓Imaging and diagnostic equipment
- ✓Practice expansion and buildouts
- ✓Working capital between reimbursements
- ✓Staff hiring and payroll
- ✓Technology and EHR upgrades
Transportation & Logistics
Fuel, maintenance, insurance, and driver pay are due now; brokers and shippers pay in 30 to 90 days. We fund the gap and the growth.
- ✓Truck and trailer acquisition
- ✓Fuel and maintenance reserves
- ✓Cash flow between load payments
- ✓Insurance premiums
- ✓Fleet expansion
Retail Businesses
Retail lives and dies on inventory timing. Buy too little and you miss the season; buy too much without capital planning and you choke your cash flow.
- ✓Inventory ahead of peak season
- ✓Store improvements and refits
- ✓Point-of-sale and technology
- ✓Marketing pushes
- ✓Opening additional locations
E-Commerce Businesses
Growth in e-commerce is a capital equation: inventory plus ad spend, timed right. Revenue-based structures let you scale spend with sales instead of guessing.
- ✓Inventory purchases at scale
- ✓Ad spend and customer acquisition
- ✓Marketplace payout gaps
- ✓3PL and fulfillment costs
- ✓New product launches
Auto Repair & Service
Modern vehicles demand modern diagnostics — and shops that invest in equipment and bays win the market. We fund the tools and the operating cushion.
- ✓Lifts, diagnostics, and shop equipment
- ✓Parts inventory
- ✓Bay expansion
- ✓Hiring technicians
- ✓Marketing and fleet contracts
Professional Services
Agencies, firms, and consultancies grow by hiring ahead of revenue. We provide the capital cushion that makes aggressive-but-smart hiring possible.
- ✓Hiring ahead of contracted revenue
- ✓Technology and software
- ✓Office expansion
- ✓Bridging client payment terms
- ✓Acquisitions of books of business
Franchise Operators
Franchisors set the standards; you fund them. From initial buildout to multi-unit expansion, we understand franchise economics and remodel obligations.
- ✓New unit buildouts
- ✓Required remodels and upgrades
- ✓Equipment packages
- ✓Multi-unit acquisition
- ✓Working capital for ramp-up
Seasonal Businesses
When 70% of revenue lands in four months, capital timing is everything. We structure funding around your season — ramp before it, remit through it.
- ✓Pre-season inventory and staffing
- ✓Off-season operating costs
- ✓Equipment before peak demand
- ✓Marketing ahead of the season
Don’t see your industry? We serve dozens of verticals. Contact us or call (203) 943-1054 — if your business has consistent revenue, we likely have a program for it.
Ready to Move Forward?
Start with a short application or speak directly with a funding specialist. No obligation, and it will not impact your qualification to explore your options.