Financing shaped by the industry, not a form
Your industry changes the file.
It should not end the conversation.
A trucking company, a dental practice, and a cannabis dispensary do not carry the same risk on a lender's desk, even with identical revenue. Some of that is honest underwriting. Some of it is a bank policy that rules out an entire category before anyone reads the numbers. Busy Bee Services places files with lenders who actually work in your industry, not the ones who wrote it out of their box.
Industries
Programs sorted by what actually happens in your business
An accounting firm, a construction crew, and a firearms dealer do not share a cash flow pattern, an inventory cycle, or a relationship with a bank. Nine of the industries that come through this desk most often, and the real situation behind each one.
Working capital
The gap between doing the work and getting paid for it
An accounting firm bills hard through tax season and goes quiet for months afterward. A construction crew pays a crew and buys materials weeks before a progress payment clears. A retail store or an online shop has to stock the shelves before the holiday rush proves out. All three carry real revenue on paper and a timing problem in the bank account.
A business line of credit is built for that timing problem. It is a program available from $5,000 to $55,000, approved in 24 hours, funded the same day, and you pay only for what you draw, so it can sit open between busy stretches at no cost. Where the gap is larger, such as a full inventory buy or a bigger contract, small business loans run from $20,000 to $5,000,000 with no collateral required and an offer within 24 hours. Where the timing is tighter than either program can move, a merchant cash advance funds in 24 hours or less against daily or weekly deposits, with no minimum credit score attached, though it costs more for that speed.
Equipment and buildout
Buying, leasing, or leveraging what runs the business
Transportation and truck leasing runs on hardware. A truck that has aged out of warranty and started racking up repair bills costs money every week it stays on the road, and a growing fleet needs another unit before the freight it was hired to move actually shows up. Dental and medical practices carry a version of the same problem: a chair or an imaging machine costs more than most new practices can pay in cash, on a timeline where a delayed purchase means turning patients away.
Equipment financing is underwritten against the equipment itself, which is why the credit bar sits lower than it does for an unsecured loan. It requires 1 year in business and offers terms up to 5 years, structured as a straight purchase, a lease, or a leaseback that turns a truck or a piece of equipment you already own into cash without giving it up. A practice buying its first equipment before hitting a year in business is more likely to fit a startup and personal loan instead, a program that runs $20,000 to $500,000 for an applicant with a 680 credit score or better, on terms of 1 to 5 years, with a soft pull to prequalify.
The real reason for a decline
Some files get declined before anyone reads the numbers
A bank's credit box is not only about revenue and credit score. Plenty of banks and their card processors carry a list of industries they will not underwrite at all, regardless of how clean the file looks. Firearms retail sits on that list at most traditional banks, even for a dealer with strong margins and years of clean sales. Cannabis sits there too, and more permanently, because the plant is still a federally controlled substance. That single fact keeps cannabis out of SBA programs by rule, since an SBA 7(a) loan has to be in an eligible industry to qualify at all, and it keeps most cannabis files out of ordinary bank underwriting no matter what the business actually earns.
That does not make either business unfinanceable. It makes the file a bad fit for one lender's policy, not a bad file on its own. The lenders willing to work in these categories still look at the deposits and the inventory turn the way any lender would, they have simply not written the category out of their box. A merchant cash advance is the clearest example on this page: the program carries no minimum credit score and is open to all industries, which matters most for the exact files that get an automatic no everywhere else.
Figures on this page are third party lender program ranges. They are subject to underwriting and approval, and none of it is an offer or a commitment to lend.
Not on this list
An industry that is not named above should still call
This page covers the industries that come up the most, not the limits of who qualifies. Plenty of businesses outside this list have financing programs that fit them; they simply were not common enough to earn their own line here. The fastest way to find out where a business lands is to say what it does and let the file go to a lender who already works in that space, instead of guessing from a list.
Prequalification is free and does not pull your credit. If you are not sure your industry fits anywhere on this page, calling is faster than guessing.
Find out where your industry actually lands.
One application reaches every program on this page. Say what the business does and get a straight answer about which lenders will actually look at the file.