Powered by LevrRestaurant business loans
Thin margins make banks cautious, but equipment lenders, SBA and advances are active.
Learn moreTrucking business loans
Trucks, trailers and freight factoring, with authority age and equipment age driving approvals.
Learn moreConstruction business loans
Equipment and lines of credit, with work in progress reports doing the heavy lifting.
Learn moreMedical and dental practice loans
The best bank terms of any industry, including startup practice loans.
Learn moreRetail business loans
Inventory, fixtures and seasonal working capital for stores with card sales data.
Learn moreEcommerce business loans
Revenue based advances and inventory loans priced off Shopify and Amazon data.
Learn moreManufacturing business loans
Machinery, facilities and asset based lines backed by receivables and inventory.
Learn moreAgriculture and farm business loans
FSA and Farm Credit programs, equipment and seasonal operating lines.
Learn moreAuto repair shop and car dealer loans
Lifts and shop equipment for repair, floor plan lines for independent dealers.
Learn moreSalon, spa and beauty business loans
Build outs, chairs and medspa equipment for card heavy, smaller businesses.
Learn moreGym and fitness studio loans
Equipment, franchise fees and second studios for businesses with membership data.
Learn moreHotel and hospitality business loans
SBA 504, commercial real estate and bridge loans for acquisitions and renovations.
Learn moreProfessional services business loans
Lines of credit and partner buyouts for firms with no hard collateral.
Learn moreLoans for real estate investors
Bridge, DSCR rental and commercial loans sized on the property, not your paycheck.
Learn moreHVAC, plumbing and electrical business loans
Vans, equipment and acquisitions for licensed trades with recurring contracts.
Learn moreLandscaping business loans
Mowers, trucks and seasonal lines for crews with commercial contracts.
Learn moreSoftware and tech startup loans
Venture debt, revenue based financing and SR&ED loans before a bank will say yes.
Learn moreKey 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 explains each product and why loans get denied covers the industry reasons.
Apply once and reach a lender in every category. Free for your business.Or ask your AI assistant to apply for you through our MCP server.
Apply nowHow 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 if something else is in the way, like credit or time in business. 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 |