Consumer Goods
Retail
Retail lives and dies by timing — inventory has to be bought months before it sells, seasonal peaks demand extra staff and stock, and a new location can't wait for a slow quarter to pay for itself. When margins are measured in single digits, a cash-flow gap can mean missed opportunities or empty shelves. We fund retailers with working capital, inventory financing, and lines of credit that flex with your sales cycle — so you can buy deeper, stock earlier, and grow into the space your customers are asking for.
Medical Services
Healthcare & Medical
Medical practices carry a unique burden: care is delivered today, but insurance reimbursements can take 30, 60, even 90 days to arrive. Meanwhile payroll, equipment leases, malpractice premiums, and supply costs never pause. We help practices, clinics, labs, and care facilities bridge reimbursement gaps, upgrade equipment, bring on providers, and expand locations — with funding structured around the realities of payer cycles, not against them.
Construction
General & Trade Contractors
In construction, you front the money — materials, crews, permits, and mobilization all get paid long before the final draw is released. One slow-paying GC or change order can tie up the capital you need for the next bid. We fund general and trade contractors with working capital that bridges draw schedules, covers equipment and payroll between projects, and gives you the confidence to bid bigger jobs knowing the cash will be there to execute.
Food Service
Food & Restaurants
Restaurants run on some of the thinnest margins in business, where one walk-in compressor failure or a slow season can wipe out a month's profit. Growth costs — kitchen equipment, buildouts, second locations — rarely line up with the cash on hand. We keep restaurants, cafés, franchises, and food-service operators funded through equipment breakdowns, renovations, seasonal dips, and expansion — so you can focus on service, not the bank balance.
Logistics
Transportation
Trucking and logistics companies get squeezed from both ends: fuel, insurance, maintenance, and driver pay are due now, while shippers and brokers often pay in 30 to 60 days. Add a blown engine or a chance to pick up two more trucks at auction, and the math gets tight fast. We fund carriers, owner-operators, and logistics firms so cash flow keeps pace with the road — covering repairs, expanding fleets, and smoothing out slow-paying freight cycles.
Production
Manufacturing
Manufacturers commit capital earlier than almost anyone — raw materials, tooling, machinery, and skilled labor are all paid for long before finished goods ship and invoices settle. A large purchase order can be as much a cash-flow problem as a win. We provide equipment financing and working capital that let manufacturers accept bigger orders, upgrade production lines, hold material inventory, and keep output running at full speed while receivables catch up.
Supply Chain
Distribution & Wholesale
Distribution is a volume game: the better your pricing, the more capital sits tied up in pallets, warehouses, and receivables. Suppliers want payment on delivery while your customers expect terms — and the spread lands on your balance sheet. We free up cash flow so distributors and wholesalers can take on larger orders, buy at better volume pricing, extend competitive terms to customers, and expand warehouse capacity without starving daily operations.
Professional Services
Service-Based Business
Service firms sell expertise, but invoices don't pay salaries on time — net-30 and net-60 clients can leave agencies, consultancies, staffing firms, and repair operations covering weeks of payroll out of pocket. Growth makes it harder: every new hire and marketing push lands before the revenue does. We smooth out receivable gaps and fund expansion so service businesses can hire ahead of demand, invest in marketing, and take on bigger contracts with confidence.
Online Retail
E-Commerce
Online sellers scale at internet speed, but the cash cycle doesn't: ad spend, inventory purchases, and fulfillment costs all hit before marketplace payouts arrive. When a product takes off, the window to restock and capture demand is measured in days. We fund e-commerce operators — marketplace sellers, DTC brands, and dropshippers alike — so you can restock winners, ramp ad spend when it's working, and turn viral moments into lasting revenue.
Licensed Operators
Cannabis
Licensed cannabis operators run some of the most heavily regulated and taxed businesses in America — and most banks still won't touch them. Between 280E tax burdens, compliance costs, and all-cash operations, growth capital is hard to find exactly where it's needed most. We provide compliant funding options built specifically for dispensaries, cultivators, and processors, structured around the industry's unique regulatory and cash-flow realities.
Financing Across Almost All Industries
Our highly-trained loan specialists work with businesses in nearly every sector. If you have 6 months of operating history and consistent revenue, we want to help you grow.