Commonly eligible industries
These are funded routinely. If your business is in one of these categories, industry is not the thing to worry about.
What is typically restricted
These are the categories that get declined most often on the bank-style tier. Some of them surprise people, so they are worth reading before you spend time on an application.
Restricted on the bank-style tier is not the same as restricted everywhere. The revenue-based tier funds several of these — long-distance trucking and construction in particular, under their own rules. See both tiers side by side →
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
How is industry eligibility determined?
At the NAICS code level — a standard federal industry classification system, not a subjective judgment call.
What if my industry is not listed here?
This page shows commonly asked-about categories. Apply to get a same-day answer specific to your exact business type.
Does a restricted industry mean I can never get funded?
It means that specific product is not available for that industry. Other funding types may still apply.
Will checking hurt my credit?
No, checking what you qualify for does not affect your credit score.