42 Industries · All 50 States · ITIN Accepted

Industry-Specific Business Funding —
Built Around How YOUR Business Gets Paid

Generic lenders don't understand your cash flow cycle. We do. From restaurants riding weekend surges to contractors waiting on invoices — your funding is structured around your actual business, not a bank template.

Apply in 5 Minutes (305) 384-8391

No SSN required for ITIN holders  ·  No prepayment penalties  ·  Decisions in hours

Funding Range by Industry

Restaurants $10K–$250K
Construction $25K–$500K
Trucking $15K–$400K
Medical $20K–$500K
Retail $5K–$200K
IT & Tech $10K–$300K
Check Your Industry Qualification →
$5K–$500K
Funding Range
24 hrs
Approval Time
42
Industries Funded
50
States Covered
ITIN ✓
No SSN Required
500+
Min Credit Score
Quick Answer

We offer working capital, MCA, equipment financing, line of credit, invoice factoring, and revenue-based financing tailored to 42 industries across all 50 states. Apply in 5 minutes online, receive a decision in hours, and get funded same-day. No SSN required — ITIN holders are fully accepted for all products.

Reviewed by the MFE Funding Team Updated March 2026  ·  Verified for accuracy
BBB A+ Rated Accredited Business
No Prepayment Penalties Pay off early, save money
Same-Day Funding Money in your account today
ITIN Accepted No SSN required

Why Industry Matters

Your Industry Shapes How — and When — You Need Capital

A restaurant owner doesn't have the same cash flow problem as a trucking company — and they shouldn't be forced into the same funding box. Restaurants deal with daily revenue swings, weekly food cost pressure, and seasonal dips. Trucking companies sit on unpaid freight invoices for 30–90 days while fuel and maintenance bills hit immediately. Construction contractors front enormous labor and materials costs months before a project draws close.

That's why Merchant Fund Express structures funding around your industry's actual cash flow cycle — not a generic bank template. Our underwriting team has funded businesses across 42 industries, which means we know your revenue seasonality, your typical receivables timeline, your equipment needs, and the specific cash flow crunch points that can derail growth.

The result: better-matched products, faster approvals, and repayment schedules that don't strangle your working capital. Whether you're a restaurant needing working capital to cover a slow January, a staffing agency factoring receivables to make payroll, or an HVAC company financing a new fleet for spring season — we have a product engineered for exactly that situation.

Explore the 42 industries we fund below. Each card shows the product best matched to that industry's cash flow profile — with links to full product details and the application.

All 42 Industries

Find Your Industry — Find Your Funding

Click your industry to see the funding product best matched to how your business actually earns and spends.

Restaurant funding

Restaurants

High daily revenue but razor-thin margins make working capital essential for staffing, inventory, and renovations.

Get Funded
Construction funding

Construction

Equipment upgrades and mobilization costs hit before project draw schedules pay out — equipment financing bridges the gap.

Get Funded
Trucking funding

Trucking

Fuel, repairs, and new rig purchases can't wait for freight invoices. Equipment financing keeps your fleet moving.

Get Funded
Medical practice funding

Medical Practices

Insurance reimbursement delays create 60–90 day cash flow gaps. Working capital keeps operations and staff funded.

Get Funded
Dental office funding

Dental Offices

Digital imaging, chairs, and sterilization equipment are capital-intensive. Equipment financing spreads costs over revenue.

Get Funded
Auto repair shop funding

Auto Repair Shops

Parts inventory and diagnostic equipment demands upfront cash. Working capital keeps bays full and customers happy.

Get Funded
Retail store funding

Retail Stores

Inventory buys before peak season strain cash flow. MCA repays as a % of daily card sales — perfect for retail cycles.

Get Funded
Salon and beauty funding

Salons & Beauty

Product inventory, chair upgrades, and buildouts need capital. MCA repays automatically with each card swipe.

Get Funded
HVAC company funding

HVAC Companies

Service vans and commercial units are expensive. Equipment financing lets you take on bigger contracts without depleting cash.

Get Funded
Landscaping company funding

Landscaping

Mowers, trailers, and irrigation systems require upfront investment before the spring season revenue rolls in.

Get Funded
Electrical contractor funding

Electrical Contractors

Materials, labor, and licensing costs spike before invoice collection. Working capital keeps projects moving on schedule.

Get Funded
Plumbing company funding

Plumbing Companies

Service trucks, pipe inventory, and same-day emergency costs require a cash cushion. Working capital provides it instantly.

Get Funded
Roofing company funding

Roofing Companies

Material costs and crew wages hit before final payment. Working capital bridges the storm-season cash gap.

Get Funded
Manufacturing funding

Manufacturing

CNC machines, presses, and production lines are six-figure investments. Equipment financing keeps production capacity growing.

Get Funded
Gym and fitness funding

Gyms & Fitness

New Year rushes and summer drops create wild revenue swings. MCA adjusts repayments with your membership cash flow.

Get Funded
Veterinary clinic funding

Veterinary Clinics

Surgical suites, imaging equipment, and pharmaceutical inventory demand capital. Working capital keeps care quality high.

Get Funded
Childcare center funding

Childcare Centers

Licensing upgrades, playground equipment, and staff ratios require consistent capital. Working capital ensures compliance.

Get Funded
Pharmacy funding

Pharmacies

PBM reimbursements lag 30–60 days behind dispensing costs. Working capital keeps shelves stocked and patients served.

Get Funded
Food truck funding

Food Trucks

Events, festivals, and routes mean cash flow is daily but unpredictable. MCA repays as a percentage of daily sales.

Get Funded
Catering company funding

Catering Companies

Large events require food and staffing costs 30 days before the invoice clears. Working capital closes that gap.

Get Funded
Staffing agency funding

Staffing Agencies

Weekly payroll runs while client invoices sit unpaid for 30–60 days. Invoice factoring converts receivables to instant cash.

Get Funded
Law firm funding

Law Firms

Contingency cases and billing cycles create irregular cash flow. A line of credit lets you draw exactly what you need, when needed.

Get Funded
Accounting firm funding

Accounting Firms

Tax season creates huge revenue spikes and off-season droughts. A line of credit smooths operations year-round.

Get Funded
IT and tech company funding

IT & Tech Companies

SaaS and project revenue is predictable but lumpy at contract renewal. Revenue-based financing matches your actual cash curve.

Get Funded
Marketing agency funding

Marketing Agencies

Client retainer timing and project launches create revenue gaps. Revenue-based financing lets repayments flex with your billings.

Get Funded
Real estate agency funding

Real Estate Agencies

Commission payments are irregular and closing-dependent. A line of credit keeps marketing and operations fully funded between deals.

Get Funded
Cleaning service funding

Cleaning Services

Hiring crews and purchasing supplies before new contracts start strains cash. Working capital funds growth without breaking the bank.

Get Funded
Security company funding

Security Companies

Guard payroll and uniform costs precede monthly invoicing. Working capital keeps your team deployed and contracts fulfilled.

Get Funded
Event planning funding

Event Planning

Venue deposits and vendor costs are due months before clients pay final balances. Working capital protects your event pipeline.

Get Funded
Photography studio funding

Photography Studios

Camera systems, lenses, and lighting rigs are major investments. Equipment financing preserves cash for marketing and operations.

Get Funded
Print shop funding

Print Shops

Large-format printers and binding equipment cost $50K+. Equipment financing lets you win bigger contracts without cash drain.

Get Funded
Bakery funding

Bakeries

Holiday spikes and daily perishable costs make cash flow volatile. MCA adjusts repayments to your actual daily sales volume.

Get Funded
Bar and nightclub funding

Bars & Nightclubs

Weekend-heavy revenue and liquor inventory costs create a weekly cash cycle. MCA repays as a % of each night's card sales.

Get Funded
Coffee shop funding

Coffee Shops

Espresso machines, grinders, and renovations are expensive. MCA repays daily with your POS — no fixed monthly burden.

Get Funded
Daycare center funding

Daycare Centers

Enrollment fluctuations and licensing requirements demand steady capital. Working capital ensures your doors stay open and compliant.

Get Funded
Freight broker funding

Freight Brokers

You pay carriers immediately but shippers pay Net-30/60. Invoice factoring converts those receivables to same-day cash.

Get Funded
Moving company funding

Moving Companies

Trucks, lift gates, and packing materials are the backbone of capacity. Equipment financing expands your fleet on revenue.

Get Funded
Pest control funding

Pest Control

Chemical inventory, service vehicles, and spring-season hiring demand capital. Working capital scales your route density fast.

Get Funded
Solar installer funding

Solar Installers

Panel and inverter procurement costs hit before utility interconnection completes. Equipment financing bridges the installation gap.

Get Funded
Tattoo studio funding

Tattoo Studios

Equipment, supplies, and buildout for a new location require upfront capital. MCA repays with your daily card volume.

Get Funded
Urgent care clinic funding

Urgent Care Clinics

Insurance lag and high walk-in volume create receivables backlogs. Working capital ensures you can staff and supply at peak demand.

Get Funded
E-commerce store funding

E-Commerce Stores

Ad spend, inventory buys, and Amazon fees precede sales conversion. Revenue-based financing repays as your monthly revenue flows in.

Get Funded

The MFE Difference

Why Industry-Specific Funding Beats Generic Lending

Traditional banks issue a single loan product regardless of your industry. We match funding structure to how your business actually earns money.

Cash Flow Cycle Alignment

Every industry has a distinct cash cycle. Restaurants collect daily; contractors collect on draws; staffing agencies wait 60 days. We structure repayments to match your actual inflow — not a bank's fixed calendar. That means you never feel squeezed making a payment during a slow week.

Seasonal Pattern Flexibility

Landscapers boom in spring; accountants boom in Q1; retailers boom in Q4. Generic loans don't care — they demand the same payment in February as in July. Our revenue-based products automatically flex with your season, reducing burden during slow months and accelerating paydown when you're flush.

Equipment & Operational Fit

A trucking company needs a different product than a law firm. Equipment financing is secured by the asset, keeping rates low for capital-intensive industries. Working capital is unsecured and fast for service businesses with steady revenue. We match the product to your industry's risk profile — so you get the best structure, not the only one on the menu.

Receivables-First for B2B

B2B businesses — staffing agencies, freight brokers, contractors — have strong revenue on paper but constant cash flow pressure because clients pay late. Invoice factoring converts your outstanding invoices to immediate cash at closing. No waiting 60 days while payroll is due today.

Industry-Informed Underwriting

Our underwriters have seen thousands of applications across 42 industries. They understand why a restaurant's January bank statements look scary (post-holiday slowdown, not failure) or why a roofing company's revenue spikes in Q3 (storm season). That context means faster approvals and fewer unnecessary declines.

Speed Matched to Your Urgency

An urgent care clinic losing a physician needs capital in 24 hours, not 30 days. A construction company that just won a $2M contract needs equipment financing this week. We operate with same-day decisions and next-day funding because we know your industry's urgency isn't manufactured — it's real.

Cash Flow Intelligence

Industry Cash Flow Crunch Calendar

Know when your industry typically hits a cash flow crunch — and plan your funding accordingly. CRUNCH = high funding demand. STRONG = peak revenue.

Industry JanFebMarAprMayJun JulAugSepOctNovDec
Restaurants CRUNCH — — STRONG STRONG STRONG — — CRUNCH — STRONG STRONG
Construction CRUNCH CRUNCH — STRONG STRONG STRONG STRONG STRONG STRONG — CRUNCH CRUNCH
Landscaping CRUNCH CRUNCH CRUNCH STRONG STRONG STRONG — — STRONG STRONG CRUNCH CRUNCH
Retail CRUNCH — — — — — CRUNCH — CRUNCH STRONG STRONG STRONG
Accounting Firms CRUNCH STRONG STRONG STRONG CRUNCH CRUNCH CRUNCH CRUNCH — — — —
HVAC CRUNCH CRUNCH — — STRONG STRONG STRONG STRONG — — CRUNCH CRUNCH
Trucking CRUNCH — STRONG STRONG STRONG — — — STRONG STRONG CRUNCH CRUNCH
E-Commerce CRUNCH — — — — — CRUNCH CRUNCH — STRONG STRONG STRONG

Apply 30–60 days before your crunch month for best approval terms and maximum funding amount.

The Process

How We Fund Your Industry in 3 Steps

1

Apply Online in 5 Minutes

Complete our simple application with your business details and 3 months of bank statements. No tax returns required for most products. ITIN holders apply the same way — no SSN needed.

2

Industry-Matched Approval in Hours

Our underwriting team evaluates your application with your industry's cash flow profile in mind. We look at revenue patterns, seasonality, and business trajectory — not just a credit score. Decisions typically within 2–4 hours.

3

Funded Same Day or Next Business Day

Once approved and contracts signed, funding is wired directly to your business bank account. Most approvals fund same-day. Equipment financing may take 1–2 days for larger transactions. No prepayment penalty — pay it off early and save.

Start Your Application — 5 Minutes

Frequently Asked Questions

Industry Funding — Your Questions Answered

Merchant Fund Express funds 42+ industries including restaurants, construction, trucking, medical practices, dental offices, retail, salons, HVAC, landscaping, manufacturing, gyms, veterinary clinics, staffing agencies, law firms, IT companies, marketing agencies, e-commerce stores, and many more. If your business generates consistent monthly revenue, we likely have a funding product designed specifically for your industry's cash flow cycle. Call us at (305) 384-8391 to discuss your specific industry.

We typically fund businesses that have been operating for at least 6 months with $10,000 or more in monthly gross revenue. Early-stage businesses may qualify for smaller working capital amounts or merchant cash advances based on their early revenue. We evaluate each application individually — contact us to discuss your specific situation. We do not require perfect credit or years of history.

Seasonal businesses are one of our specialties. We structure repayments around your actual revenue cycles, not a fixed calendar. Landscaping companies can front-load repayments during peak spring/summer season and reduce them during winter. Revenue-based financing and merchant cash advances are particularly well-suited for seasonal businesses — payments automatically adjust as a percentage of your actual revenue, so slow months cost you less.

Most of our funding products — including working capital loans, merchant cash advances, and revenue-based financing — are unsecured. No real estate, personal property, or business assets are required as collateral. Equipment financing is secured by the equipment itself, which is why rates are often lower for that product. We do not require real estate collateral for any of our standard products.

The minimum is $10,000 in monthly gross revenue for most products. Invoice factoring is based on receivables rather than monthly revenue, so requirements differ by invoice volume. Higher monthly revenue qualifies you for larger funding amounts, better rates, and faster approvals. We look at your last 3 months of bank statements to determine eligibility and maximum funding amount.

Yes. We evaluate your business performance — revenue consistency, bank statement cash flow, time in business, and industry context — not just your FICO score. Business owners with credit scores as low as 500 may qualify for merchant cash advances or revenue-based financing. Bad credit does not automatically disqualify you. The strength of your business revenue is our primary qualification criterion.

Approval decisions are typically made within 2–4 hours of receiving a complete application and 3 months of bank statements. Funding can be deposited same-day or within 24 hours for most industries and products. Equipment financing may take 1–2 business days for larger amounts due to asset verification. We work urgently — if you have a time-sensitive need, call us at (305) 384-8391 and we'll prioritize your file.

Yes. Your Individual Taxpayer Identification Number (ITIN) is accepted across all 42 industries we fund. You do not need a Social Security Number to apply or qualify. We fund ITIN holders for working capital, MCA, equipment financing, line of credit, invoice factoring, and revenue-based financing — all products, all industries, all 50 states. Visit our ITIN Business Funding page for full details.

Our Products

Funding Products Matched to Your Industry

Working Capital Loans

Best for: Restaurants, Medical, Service Businesses
Merchant Cash Advance

Best for: Retail, Restaurants, Salons, Bars
Equipment Financing

Best for: Construction, Trucking, HVAC, Manufacturing
Business Line of Credit

Best for: Law Firms, Accounting, Real Estate
Invoice Factoring

Best for: Staffing, Freight Brokers, B2B Services
Revenue Based Financing

Best for: IT, Marketing Agencies, E-Commerce

Ready to Get Funded?

Find Out What Your Industry Qualifies For

Apply in 5 minutes. Get a decision in hours. Fund today. No prepayment penalties. No SSN required for ITIN holders. Same-day funding available for all 42 industries we serve.

Apply Now — Free, No Obligation (305) 384-8391

$5K–$500K · 42 Industries · All 50 States · ITIN Accepted · Same-Day Funding · No Prepayment Penalties

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Why Choose Merchant Fund Express

Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.

Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.

Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.

Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.