Construction

Is a construction company bankable?

Usually yes — and more often than not, the thing standing in the way isn't the business. It's the way the books are kept.

Contract financingTrucking

Is a trucking company bankable?

Your equipment is extremely financeable. Your operating business is not. Understanding why those two things are different is most of what decides a trucking file.

EquipmentStaffing Agencies

Is a staffing agency bankable?

Staffing has a cash gap you cannot manage your way out of. It is arithmetic, not mismanagement — and it decides which products fit you.

FactoringDental & Veterinary

Is a dental or veterinary practice bankable?

More than almost anything else we place. Practice acquisition is the single strongest use case in the SBA 7(a) program — and the terms available surprise most buyers.

SBA 7(a) acquisitionFranchises

Is a franchise bankable?

One document decides it before anything else does, and most buyers have never heard of it. If your brand is not on the SBA Franchise Directory, the cheapest capital in the market is closed to you.

SBA 7(a)HVAC

Is an HVAC contractor bankable?

It depends almost entirely on one thing lenders look for and most contractors never mention: how much of your revenue is under contract.

EquipmentRestaurants

Is a restaurant bankable?

Buying one, usually yes. Building one, usually no. That single distinction explains most restaurant financing outcomes.

SBA 7(a)Law Firms

Is a law firm bankable?

Billable-hour firms are among the easiest professional services to lend to. Contingency firms are among the hardest. Most firms are a mix, and the ratio decides the answer.

Line of creditManufacturing

Is a manufacturer bankable?

You own the most financeable collateral in small business. What decides your file is who buys from you — and whether your inventory is counted properly.

EquipmentEcommerce

Is an ecommerce business bankable?

The financials are usually fine. What lenders worry about is that your entire business sits on a platform that can suspend you on a Tuesday.

Line of creditRoofing

Is a roofing contractor bankable?

Roofing has the best margins in the trades and the worst-looking financials, for the same reason: one big storm year makes the numbers unreadable.

Contract financingPlumbing

Is a plumbing contractor bankable?

Emergency service is the most profitable revenue in the trades and the most bankable. New-construction plumbing is neither.

EquipmentElectrical

Is an electrical contractor bankable?

Licensing limits how fast you can grow, which lenders read as stability. The thing that sinks these files is usually undocumented subcontract labor.

EquipmentLandscaping

Is a landscaping company bankable?

Residential-only landscaping is one of the hardest seasonal businesses to finance. Add commercial contracts and snow, and it becomes straightforward.

EquipmentAuto Repair

Is an auto repair shop bankable?

The single biggest factor is not your revenue. It is whether you own the bay you work out of.

EquipmentUsed Car Dealers

Is a used car dealership bankable?

Your inventory is your credit. Floor plan financing underwrites the units on your lot and how fast you turn them — not your P&L.

Inventory floor planHome Improvement

Is a home improvement contractor bankable?

You collect deposits before you perform. On cash-basis books that looks like profit, and it is the reason good remodelers get declined.

Contract financingHealthcare

Is a medical practice bankable?

Very. The complication is never demand — it is that your money sits with insurers, and how long it sits decides what you can borrow.

SBA 7(a) acquisitionAccounting Firms

Is an accounting firm bankable?

Among the easiest professional services to finance — recurring engagements, licensed profession, sticky clients. The risk lenders price is that the book belongs to you personally.

SBA 7(a) acquisitionIT Services

Is an IT services company bankable?

One number decides it: what share of your revenue renews without you selling it again.

Line of creditRetail

Is a retail business bankable?

Two numbers decide it, and neither is revenue: how fast your inventory turns, and how many years are left on your lease.

Line of creditProperty Management

Is a property management company bankable?

Management fees are recurring, contracted and sticky — close to ideal. The complication is that most of the money moving through your accounts is not yours.

SBA real estateGyms & Fitness

Is a gym bankable?

Membership revenue is recurring, which lenders like. Membership churn is relentless, which they like considerably less. The ratio between them is your file.

SBA 7(a)Childcare

Is a childcare center bankable?

Licensed capacity is a ceiling nobody can raise quickly — which is exactly why lenders like this sector more than operators expect.

SBA real estateSalons & Spas

Is a salon bankable?

It depends almost entirely on one structural choice most owners made years ago without thinking about financing: booth rent, or employees.

SBA 7(a)Commercial Cleaning

Is a cleaning company bankable?

Commercial contracts are recurring, invoiced and factor cleanly. Residential work is none of those things. The split decides your options.

Factoring