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Industries

Business funding by industry: 36 guides, one per trade.

Different businesses show different deposit patterns. These guides explain what a funder looks at in each one.

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36Industry guides

DepositsWhat gets read

SeasonalOften a factor

CADExamples in

Choose your industry

RestaurantsCard-heavy, daily deposits and strong seasonality make restaurants one of the most common candidates…ConstructionProgress billing, mobilization costs and 30 to 90-day receivables make construction cash flow lumpy,…Trucking and logisticsFuel, maintenance and insurance costs hit before broker and shipper payments arrive, so cash-flow ti…RetailSeasonal inventory, thin margins and card-heavy sales make retail a natural fit for share-of-sales r…EcommerceDigital revenue, platform payouts and long inventory lead times make ecommerce well suited to revenu…AutomotiveSteady service demand, seasonal tire changeovers and parts inventory shape a predictable but equipme…Salons and beautyChair-based revenue, repeat clients and card-heavy deposits make salons and spas predictable, with e…Medical and dentalInsurer payments, patient payments and expensive equipment make healthcare practices steady but capi…ManufacturingRaw-material purchases, purchase orders and 30 to 60-day receivables make manufacturing a cash-flow-…Contractors and tradesElectricians, plumbers, HVAC and other trades have steady demand with seasonal peaks and tool and ve…Bars and pubsEvening-heavy card sales, event nights and a liquor-licence calendar give pubs a very particular wee…CafésHigh transaction counts, small tickets and strong morning peaks produce steady daily deposits, which…BakeriesEarly starts, perishable stock and a mix of retail and wholesale accounts give bakeries a distinctiv…General contractorsGeneral contractors carry subcontractor payments, permits and materials before the owner's draw arri…RoofingRoofing revenue is weather-bound and deposit-driven, with materials bought up front and invoices pai…HVACHeating and cooling firms run on service calls, maintenance contracts and installs, with two clear p…PlumbingPlumbers earn from emergency calls, scheduled work and renovations, which makes deposits busy and fa…Electrical contractorsElectricians mix small residential calls with larger commercial and new-build work, which creates bo…LandscapingLandscapers earn most of their year in a few warm months, so the trade is a study in seasonal cash f…Logistics and warehousingLogistics firms fund fuel, drivers and equipment before shippers pay, which makes the payment cycle …Auto repairAuto shops combine steady daily service deposits with expensive equipment, and a seasonal tire chang…Auto dealersDealers move large dollar amounts in a small number of transactions, so deposits are lumpy and floor…Spas and wellnessAppointment-based revenue, memberships and retail product give spas predictable deposits with season…Dental practicesDental practices combine insurer remittances with patient payments, and invest steadily in expensive…Medical clinicsClinics earn from a mix of provincial billings, private-pay services and allied health, which makes …PharmaciesPharmacies handle high volume at thin margins, with insurer reimbursements, front-store retail and a…Veterinary clinicsVeterinary clinics earn from exams, surgery, diagnostics and retail, with steady client demand and h…Daycares and childcareChildcare combines regular parent payments, government subsidies and tight margins, so predictabilit…Gyms and fitness studiosRecurring memberships make gyms one of the more predictable deposit profiles, with a January surge a…Wholesale and distributionDistributors turn large volumes at thin margins with payment cycles that stretch from purchase to co…Convenience storesConvenience stores take high-frequency, low-ticket card and cash sales all day, giving deposits that…Gas stations with convenience storesFuel stations carry very high deposit volume at thin fuel margins, with the convenience store provid…Professional servicesAccountants, consultants, engineers and similar firms earn from retainers and project fees, with rec…Home healthcareHome-care agencies pay caregivers weekly while payers settle over several weeks, so working capital …Subscription ecommerceSubscription ecommerce earns recurring payouts with predictable churn, so deposits read as steady an…Marketplace sellersMarketplace sellers earn on platform payout cycles, with inventory bought months before it sells.…

Common questions

Is eligibility the same in every industry?

No. Eligibility varies by industry and funder, and some trades need additional review.

Is my industry missing?

Most operating businesses are reviewed. Apply and ask, and we will tell you what the file looks like.

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Canada funding hubMerchant cash advance and revenue-based funding for Canadian businesses Provinces & territoriesAll 13, with local context Funding requirementsTypical starting points for Canadian files

Educational information only. It is not legal, tax or accounting advice.

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