A trucking fleet and a dental practice don't borrow the same way. We've grouped our most-funded industries into seven dedicated playbooks — each with the products, timelines, and underwriting nuances that fit how that business actually runs.
Industry Playbooks
7 industriesFunding for general contractors, excavation, concrete, framing, electrical, and specialty trades — built around uneven project cash flow and equipment needs.
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Capital for auto repair shops, dealerships, body shops, and tire centers, including equipment financing for lifts, alignment systems, and diagnostics.
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Funding for HVAC, plumbing, electrical, roofing, and landscaping companies. Cover payroll, materials, and equipment without missing jobs.
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Working capital and equipment financing for full-service restaurants, QSR, cafes, and bars. Renovate, expand, or stock up before peak season.
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Capital for medical practices, dental offices, urgent care, and specialty clinics, including equipment financing and expansion funding.
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Funding for law firms, accounting practices, consultancies, and agencies. Bridge receivables, hire, and invest in growth.
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Equipment financing and working capital for trucking companies, owner-operators, and fleets. Fuel, repairs, payroll, and truck purchases.
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Lines of credit, term loans, equipment financing, working capital, MCAs, and more — compared side by side with ranges, speed, and best-fit guidance.
Browse Funding SolutionsKey Takeaways
Industry choice drives loan structure: receivable speed, seasonality, equipment intensity, and collateral availability change which product fits and what it costs.
Equipment-heavy industries (construction, trucking, medical) usually anchor on equipment financing with 10%–20% down (up to 30% for newer borrowers, per NerdWallet 2026).
Cash-flow-volatile industries (restaurants, retail, hospitality) typically pair a working capital loan with a revolving line of credit — and skip MCAs when cheaper structures exist.
Service-receivable industries (professional services, staffing, medical) benefit most from payroll funding or invoice factoring, which advance 80%–95% of invoice value (altLINE/Porter Capital).
Across every BizBee-funded industry, qualification baselines are similar: 12+ months in business, $240K+ annual revenue, 600+ FICO — with exceptions for hard-collateral and high-card-volume files.
Funding speed averages 24–72 hours per industry; soft-pull pre-qualification with BizBee takes under three minutes and never costs you anything upfront.
Decision Framework
Use this short framework to narrow your options before you apply. It mirrors how BizBee advisors triage your file in NectarMatch™.
Rate ranges and timing reflect 2026 marketplace norms across BizBee's lender network and public sources (Bankrate, Federal Reserve SBLS, NerdWallet, Nav, OCC). Final terms depend on lender underwriting.
Real-World Scenarios
Construction
A 4-year general contractor in Texas needed a used excavator for a municipal contract plus payroll for a 12-person crew between draws. BizBee structured equipment financing at 15% down on the machine and a $75K working capital loan funded the next day to cover labor while the project ramped.
Medical / Dental
A two-doctor dental practice expanded to a second location, financing $140K in chairs and CBCT imaging through equipment financing and a $100K term loan for the build-out. Total monthly payment came in 22% below their original SBA-style estimate.
Restaurants
A Florida restaurant group needed inventory and marketing capital ahead of season. BizBee declined the MCA route their previous broker pushed and placed a $60K business line of credit they can draw on, pay back, and reuse — saving roughly 40 points of effective APR.
Cost Reality, By Industry
Glossary
Frequently Asked
BizBee funds seven core industries — construction, automotive, trades and home services, restaurants and hospitality, medical and dental, professional services, and trucking and transport — plus most adjacent verticals through our 100+ lender network.
Industries differ in receivable speed, seasonality, equipment intensity, and underwriting risk. A trucking owner-operator and a dental practice need very different products even at the same revenue level.
Most BizBee-funded industries require 12+ months in business, $240K+ annual revenue, and a 600+ FICO. Equipment-heavy industries may also require 10%–20% down (up to 30% for newer borrowers, per NerdWallet 2026).
Equipment financing is the workhorse — the equipment itself collateralizes the loan. Construction and trucking files typically pair equipment financing with working capital or a line of credit for fuel, payroll, and materials.
Working capital loans for seasonal pushes, equipment financing for build-outs, and a line of credit for ongoing cash-flow gaps. We avoid MCAs when cheaper structures qualify — factor rates of 1.1–1.5 can translate to 60%–80% APR (Nav, 2026).
Most industries fund in 24–72 hours after a complete file. Working capital and MCAs can fund same-day; SBA-style and large expansion files take 3–10 business days.
Many BizBee products approve at 600+ FICO, and a few go as low as 550 with strong revenue. Industries with hard collateral (trucking, construction, medical) often qualify owners with lower credit.
Never. BizBee is paid by the lender at closing, not by you. Per NerdWallet, Nav, and the FTC, legitimate brokers never charge upfront application or 'guaranteed approval' fees.
Some products fund businesses under 12 months old — typically equipment financing for trucking and construction, and revenue-based advances for restaurants with strong card volume.
Yes. Our network covers nearly every legitimate U.S. small business. Apply and we'll match you to a lender that funds your vertical, or tell you upfront if we can't.
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