Contractors
General, roofing, HVAC, plumbing, electrical, landscaping. Materials and crew before the draw clears.
Funding by industry
Cash-flow timing is the whole game. A roofer waiting on a draw and a food truck with daily card deposits need different structures. Each guide covers the typical gap, the structures that fit, and the ones to avoid.
Sector guides
Restaurants & food trucks
Equipment failures, seasonal dips, second locations, and card-heavy revenue.
Trucking & logistics
Repairs, fuel, slow brokers, and whether factoring beats an advance.
Salons & spas
Build-outs, chairs, retail inventory, and appointment-driven cash flow.
Ecommerce
Inventory and ad spend ahead of the season, marketplace payout timing, real margins.
Healthcare & dental practices
Insurance reimbursement lag, equipment, and staffing.
Staffing agencies
Weekly payroll against net-30/60 client invoices. Payroll funding explained.
Cleaning, janitorial & home services
Contract mobilization, equipment, and vehicle costs with recurring revenue.
Retail & auto repair shops
Inventory cycles, parts, and slow months.
Gyms, fitness & wellness
Membership revenue, equipment refresh, and build-outs.
Professional services
Law firms, agencies, brokerages: invoices and commissions.
Manufacturing & wholesale
Materials, work in progress, and net-60 customers.
Trade-specific guides
Each has its own cash cycle, two worked scenarios, and trade-specific questions.
HVAC
Install equipment beyond distributor limits; shoulder seasons.
Plumbing
Service trucks and GC draw schedules.
Electrical
Switchgear deposits, retainage, bonding.
Roofing
Storm surges and insurance-paid jobs.
Landscaping & lawn care
The March ramp and the winter gap.
Food trucks
The truck, the commissary, event fees.
Bars & nightclubs
Weekend-heavy deposits and January.
Catering
Deposits, balances, and corporate net-30.
Bakeries
Ovens, wholesale accounts, holiday volume.
Retail boutiques
Buying two seasons ahead; markdowns.
Auto repair shops
Lifts, parts on terms, fleet accounts.
Dental practices
Chairs, imaging, reimbursement lag.
Law firms
Contingency case costs and hourly receivables.
Marketing agencies
Media pass-through vs. fee receivables.
Real estate brokerages
Listing-to-closing gaps.
Cleaning & janitorial
Mobilizing a contract paid net-30.
Moving companies
Trucks, summer peaks, relocation accounts.
Dry cleaners & laundromats
Machines, utilities, acquisitions.
Event venues
Deposits held, seasonality, renovations.
Manufacturing
Materials, WIP, machinery, long receivables.
Wholesale distribution
Turns, margins, and customer terms.
See which options fit your numbers
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