Industries
Financing plans built around how your industry works
Dental practices
Acquisitions, de novo offices, build-outs, equipment and partner buy-ins.
Common uses
- • Practice acquisition
- • Startup build-out
- • Imaging & CAD/CAM equipment
- • Partner buy-in
Lenders look at
- • Collections trend and hygiene production
- • Your production history as an associate
- • Payer mix and lease terms
Payments: Patient-pay workflows, practice-software integration and daily reconciliation.
Medical & specialty practices
Clinic acquisitions, expansions, equipment and reimbursement-gap working capital.
Common uses
- • Practice acquisition or buy-in
- • New location
- • Diagnostic equipment
- • Line of credit for reimbursement timing
Lenders look at
- • Payer mix and A/R aging
- • Provider licensing and credentials
- • Cash flow after physician compensation
Payments: Copays, deductibles and patient balances collected at the visit and after.
Veterinary clinics
Clinic purchases, new hospitals, surgical and imaging equipment.
Common uses
- • Clinic acquisition
- • New hospital build-out
- • Radiography & lab equipment
- • Real estate
Lenders look at
- • Revenue by service line
- • Doctor production
- • Equipment age and condition
Payments: Mostly client-pay at checkout, so processing costs hit margin directly.
Optometry & eye care
Acquisitions, cold starts, optical dispensaries and diagnostic equipment.
Common uses
- • Practice acquisition
- • Cold start with optical
- • OCT & imaging
- • Inventory
Lenders look at
- • Exam vs. optical vs. medical revenue split
- • Vision plan and medical insurance mix
- • Optical inventory turnover
Payments: Optical retail sales plus exam copays — a mix of card-present and plan billing.
Construction & trades
Equipment, vehicles, bonding-related working capital and growth.
Common uses
- • Equipment and trucks
- • Working capital for job costs
- • Acquiring a competitor
- • Shop or yard real estate
Lenders look at
- • Backlog and work-in-progress schedule
- • Customer concentration
- • Equipment collateral values
Payments: Large invoices and progress billing — ACH and invoicing matter as much as card rates.
Restaurants & food service
Build-outs, kitchen equipment, second locations and franchise purchases.
Common uses
- • New location build-out
- • Kitchen equipment
- • Franchise acquisition
- • Remodel
Lenders look at
- • Operating history and same-store sales
- • Lease terms and occupancy cost
- • Owner industry experience
Payments: High card volume and small tickets — effective rate and tip handling are key.
Professional services
Firm acquisitions, partner buy-outs and working capital for accounting, law, engineering and agencies.
Common uses
- • Book-of-business or firm acquisition
- • Partner buy-out
- • Office improvements
- • Line of credit
Lenders look at
- • Client retention after transition
- • Recurring revenue
- • Key-person risk
Payments: Invoice and recurring billing; card-on-file and ACH reduce days sales outstanding.
Manufacturing & distribution
Machinery, facility expansion, inventory and acquisitions.
Common uses
- • Machinery and automation
- • Facility purchase or expansion
- • Inventory financing
- • Acquisition
Lenders look at
- • Gross margin and inventory turns
- • Customer and supplier concentration
- • Equipment appraisal
Payments: B2B invoices and larger tickets — level 2/3 card data and ACH can change costs.
Retail & e-commerce
Inventory, store openings, fixtures and seasonal working capital.
Common uses
- • Seasonal inventory
- • New store
- • Fixtures and POS
- • Working capital
Lenders look at
- • Inventory turnover
- • Seasonality of cash flow
- • Online vs. in-store mix
Payments: Card-present vs. online mix drives your rate; chargebacks matter for e-commerce.
Transportation & logistics
Trucks, trailers, terminals and fleet growth.
Common uses
- • Tractors and trailers
- • Fleet expansion
- • Terminal or yard
- • Working capital
Lenders look at
- • Equipment age and mileage
- • Contract and broker mix
- • Fuel and maintenance costs
Payments: Mostly B2B invoicing; fast payment matters more than card rates.
Auto repair & service
Shop acquisitions, lifts and diagnostic equipment, real estate.
Common uses
- • Shop acquisition
- • Lifts & diagnostic tools
- • Real estate
- • Second location
Lenders look at
- • Technician retention
- • Car count and average repair order
- • Environmental review on real estate
Payments: Mid-size tickets at the counter — a clean card-present setup keeps costs down.
Franchise owners
New units, resales, remodels and multi-unit growth.
Common uses
- • New franchise unit
- • Resale acquisition
- • Required remodel
- • Multi-unit expansion
Lenders look at
- • Brand performance and franchise agreement
- • Owner liquidity
- • Unit-level economics
Payments: Often brand-specified POS — confirm what you can and can't change.
Other established businesses
If you run a profitable business, we can likely help you plan.
Common uses
- • Acquisition
- • Equipment
- • Working capital
- • Real estate
Lenders look at
- • Consistent cash flow
- • Owner experience
- • Clear use of funds
Payments: We'll start with your effective rate and how you get paid.