Industries
Financing built for your industry
Each industry has its own payment terms, paperwork and cash-flow pressure. Our programs are built around them.
- 21 sectors funded nationwide
- Advances up to 95%, funding in 24–48 hours
- Approval based on your customers' credit
- No real-estate collateral required
Why industry matters in receivables finance
Two businesses with identical revenue can need completely different facilities. A carrier is paid per delivered load and needs money the same day; a staffing agency runs weekly payroll against timesheets a client approves a month later; a distributor has to pay a supplier before a retailer will even see the goods. The invoice is the same instrument, but the evidence, the timing and the risk are not.
That is why underwriting looks different sector to sector. A freight file turns on the rate confirmation and signed bill of lading. A construction file turns on approved progress billings and how much retainage is being withheld. A government file turns on acceptance and the Assignment of Claims. Choosing a funder who already knows your paperwork is the difference between funding this week and answering questions for a month.
Below, each sector is grouped under the program that usually fits it best — though all four are available to every industry, and many clients run two in sequence.
Usually funded with AR Financing
Accounts Receivable Financing sectors
Turn unpaid invoices into working capital in as little as 24 hours. 80%–95% of invoice value advanced, 0.75%–3% per 30 days.
Staffing Agencies
Paid in 30–60 days from clients
You pay temporary workers weekly while client invoices sit for 30 to 60 days — the faster you grow, the bigger the gap.
Staffing financing →
Manufacturing
Paid in 45–90 days from OEMs and distributors
Raw materials, labor and machine time are paid upfront while OEM customers stretch terms to 60 or 90 days.
Manufacturing financing →
Government Contractors
Paid in 30–90 days from federal, state and local agencies
Agencies are reliable but slow payers, and new contract awards require immediate staffing and supplies.
Gov Contracting financing →
Healthcare Services
Paid in 30–90 days from facilities and payers
Medical staffing, labs and suppliers bill facilities that pay slowly, while staff and supplies can't wait.
Healthcare financing →
Aerospace & Defense Suppliers
Paid in 60–90 days from primes
Tier-2 and Tier-3 suppliers face long payment cycles from primes while certified materials and labor are costly.
Aerospace financing →
B2B Technology & Services
Paid in 30–60 days from enterprise clients
Enterprise clients impose net-60 terms on IT services, MSPs and consultancies that pay engineers every two weeks.
Tech & Services financing →IT Staffing & Consulting
Paid in 45–90 days from enterprise clients
Contract developers and consultants bill hourly, but enterprise clients and MSPs run net-60 to net-90 payment cycles.
IT Staffing financing →Medical & Nurse Staffing
Paid in 30–75 days from hospitals and facilities
Travel nurses and per-diem clinicians expect weekly pay while hospital AP departments take 45 days or longer.
Medical Staffing financing →Usually funded with PO Financing
Purchase Order Financing sectors
Fund your suppliers and fulfill large orders without draining cash. Up to 100% of supplier costs advanced, 1.5%–6% per 30 days.
Apparel & Textiles
Paid in 60–90 days from retailers
Big-box retailers demand long terms and chargebacks while overseas mills want deposits before production.
Apparel financing →
Wholesale & Distribution
Paid in 30–60 days from retailers and resellers
Distributors buy inventory upfront and extend credit to retailers, squeezing cash between both ends.
Distribution financing →
Import & Export
Paid in 60–120 days including transit
Overseas suppliers want payment or letters of credit before goods ship, and transit adds weeks before you can invoice.
Import/Export financing →Private-Label & Consumer Brands
Paid in 30–90 days from retailers
Contract manufacturers want deposits before production while big-box and grocery retailers pay months later.
Private Label financing →E-commerce & Wholesale Sellers
Paid in 30–60 days from wholesale and marketplace accounts
Fast-growing online brands land wholesale and marketplace-vendor orders that need inventory funded long before they're paid.
E-commerce financing →Government Resellers & GSA Vendors
Paid in 30–60 days from agencies
Agencies issue large purchase orders for products, but resellers must pay manufacturers and distributors before delivery.
Gov Resellers financing →Usually funded with Invoice Factoring
Invoice Factoring sectors
Sell your invoices, get paid today, and let us handle collections. Up to 95% upfront advanced, 1%–3.5% per 30 days.
Trucking & Freight
Paid in 30–60 days from brokers and shippers
Fuel, insurance, maintenance and driver pay are due every week, but brokers and shippers pay in 30 to 60 days.
Trucking financing →
Construction & Contractors
Paid in 45–90 days, often with retainage
Progress billing, retainage and pay-when-paid clauses leave subcontractors carrying labor and materials for months.
Construction financing →
Oil & Gas Services
Paid in 60–120 days from operators
Operators routinely pay field service companies in 60 to 120 days while crews, fuel and equipment are paid now.
Oil & Gas financing →
Food & Beverage Distribution
Paid in 21–45 days from grocers and foodservice
Perishable goods move fast but grocers and foodservice buyers still pay on terms, creating constant cash pressure.
Food & Bev financing →Security Guard Companies
Paid in 30–60 days from property managers and contractors
Guards are paid weekly while property managers, event venues and general contractors pay in 30 to 60 days.
Security financing →
Janitorial & Facility Services
Paid in 30–60 days from commercial clients
Cleaning crews and supplies are paid upfront while offices, schools and hospitals pay on extended terms.
Janitorial financing →Telecom & Utility Contractors
Paid in 45–90 days from carriers and primes
Fiber, tower and utility subcontractors carry crews and equipment for months while carriers and prime contractors process invoices.
Telecom financing →How it works
From application to funding in three steps
Apply in 10 minutes
Share basic company info and a recent AR aging or purchase order.
Approval in 24–72 hours
We verify your customers and send a clear term sheet — every fee disclosed.
Funded by wire or ACH
Receive your advance, typically within 24 hours of submitting invoices.
Compare programs
Which program fits your business?
Every sector above can use any of these. They differ in when they apply and what they fund.
Accounts Receivable Financing
Turn unpaid invoices into working capital in as little as 24 hours.
- Advance
- 80%–95% of invoice value
- Cost
- 0.75%–3% per 30 days
- Funding
- 24–48 hours after approval
Purchase Order Financing
Fund your suppliers and fulfill large orders without draining cash.
- Advance
- Up to 100% of supplier costs
- Cost
- 1.5%–6% per 30 days
- Funding
- 5–10 business days for first deal
Invoice Factoring
Sell your invoices, get paid today, and let us handle collections.
- Advance
- Up to 95% upfront
- Cost
- 1%–3.5% per 30 days
- Funding
- Same day to 24 hours
Freight Factoring
Get paid for every delivered load today — not in 30 to 60 days.
- Advance
- Up to 97% of the load
- Cost
- 1.5%–4% flat per load
- Funding
- Same day after delivery
Ready to unlock your working capital?
Talk to a funding advisor today. Decisions in as little as 24 hours.