Financing by industry
Lenders do not treat all industries alike. What is routine in one sector is a decline in another. These pages cover what changes.
Industry matters in three specific ways: whether a lender will touch your NAICS code at all, which products fit your working capital cycle, and which numbers underwriting will focus on. Each page below covers all three.
Restaurants and food service
One of the hardest sectors to finance conventionally, and one of the best served by SBA lending.
Construction and contracting
The structural cash-flow gap in contracting, and the products built for it.
Trucking and logistics
The most developed specialist finance market in small business — and how to use it well.
Retail and wholesale
Funding inventory and seasonality without paying for idle money.
Medical, dental, and veterinary practices
Among the most attractive credits in small business lending — negotiate accordingly.
Salons, spas, and personal care
Modest capital needs, a model lenders often misread, and where the money actually comes from.
E-commerce and online sellers
Platform-native capital, inventory financing, and the ad-spend arithmetic that justifies it.
Professional services firms
No inventory, no hard assets, and receivables that are awkward to pledge. What works instead.