Restaurants & Bars
Revenue swings by season, by weather, and by day of the week.
Common uses. Kitchen equipment, inventory, build-outs, and payroll through the slow months.
Restaurants, bars, caterers, coffee shops
Medical & Dental
Care is delivered 30 to 90 days before an insurer pays for it.
Common uses. Equipment, extra treatment rooms, hiring, and bridging reimbursement cycles.
Physicians, dentists, chiropractors, outpatient clinics
Auto & Repair
Parts are bought and the work is done before the customer pays.
Common uses. Lifts and diagnostic tools, parts inventory, extra bays, and vehicles.
Repair shops, body shops, tire dealers, towing, used car dealers
Professional Services
Most of the year is earned in a few concentrated months.
Common uses. Seasonal hiring, software and licensing, acquiring a client book, and off-season overhead.
CPAs, tax preparers, bookkeepers, consultants
Retail & Convenience
Inventory is bought months before any of it sells.
Common uses. Seasonal stock, coolers and fixtures, POS systems, and store remodels.
Convenience stores, liquor, clothing, electronics
Contractors & Trades
Materials and crews are paid well ahead of the draw.
Common uses. Materials for signed jobs, trucks and equipment, crew payroll, and larger contracts.
HVAC, plumbing, electrical, remodeling, landscaping, pest control
Salons, Spas & Gyms
The equipment is the service, and it wears out on its own schedule.
Common uses. Stations and treatment rooms, equipment, build-outs, and marketing to fill the calendar.
Hair, nails, spas, med-spas, gyms, pet grooming
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These are some of the industries we work with. There are more.
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