# Business loans by industry

Source: https://businessloanbroker.ai/industries/
Site: BusinessLoanBroker.ai (powered by Levr)

> Lenders price and approve by industry. See which loan products fund restaurants, trucking, construction, medical, retail, ecommerce and more.

Lenders do not treat every business the same. The same revenue and credit score can get a dental practice a ten year bank loan and get a restaurant a short term advance at three times the cost. Pick your industry below to see which products fund it, what lenders like and dislike, and what you will be asked for.

## Key facts
- **Easiest bank approvals:** Medical, dental, professional services, established manufacturing
- **Hardest bank approvals:** Restaurants, new trucking authorities, gyms, startups with no revenue
- **Common workaround:** Products that lend on the asset or the sales rather than the industry

## Why do lenders price by industry?

Lenders price risk, and industry is one of the strongest predictors of repayment. Every lender keeps a list of industries it prefers, tolerates or refuses, usually by NAICS code. Three things drive the difference. Failure rates: thin margins and high churn mean higher rates and shorter terms. Collateral: a lender can resell an excavator or a dental chair, not a salon's goodwill. Revenue predictability: recurring contracts and insurance reimbursements beat walk in cash. [Loan types](https://businessloanbroker.ai/business-loans/) explains each product and [why loans get denied](https://businessloanbroker.ai/guides/why-loans-get-denied/) covers the industry reasons.

## How to use these industry guides

Each guide answers the same questions in the same order: which products fund the industry, what lenders like and dislike, typical amounts, documents, common uses, and what gets applications declined. Read yours, then check the matching [situation page](https://businessloanbroker.ai/situations/) if something else is in the way, like [credit](https://businessloanbroker.ai/situations/bad-credit/) or [time in business](https://businessloanbroker.ai/situations/under-one-year/). One application here reaches lenders in every category, so you do not need to guess which product to request.

| Industry | Funds most often | Usually a stretch |
|---|---|---|
| Restaurants | Equipment, SBA 7(a), MCA | Bank term loans |
| Trucking | Vehicle loans, freight factoring | SBA for new authorities |
| Construction | Equipment, lines of credit | Unsecured term loans |
| Medical and dental | Bank practice loans, SBA 7(a) | Few, most products fit |
| Retail and ecommerce | Inventory, revenue based | Banks under two years |
| Tech startups | Venture debt, revenue based | Banks before profit |

## Questions and answers
**What if my industry is not listed?**

Apply anyway. These pages cover the most common requests, but one application reaches lenders in every product category, and most fund any legal business that meets their revenue, time in business and credit minimums. The matching shows you which lenders are open to your industry.

**Does a restricted industry mean no loan at all?**

Usually not. It means fewer lenders and a higher price. Products that lend against an asset, like equipment financing, or against your sales, like revenue based financing and factoring, care less about the industry code than a bank does. Expect shorter terms and a higher rate.

**Can my AI assistant pick the right page for me?**

Yes. These pages are written so an assistant can read a single section and give a correct answer. If you connect your assistant through the [agents hub](https://businessloanbroker.ai/agents/), it can also fill the application from your documents and match you with lenders that fund your industry.

## Related
- [Every type of business loan, explained](https://businessloanbroker.ai/business-loans/)
- [Business loans for your situation](https://businessloanbroker.ai/situations/)
- [Business loan requirements](https://businessloanbroker.ai/guides/business-loan-requirements/)
- [Business loan document checklist](https://businessloanbroker.ai/guides/document-checklist/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-industries
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)