Industries we serve
We speak your industry's language.
Every industry has its own rhythms — seasonal swings, payment cycles, equipment costs, and compliance deadlines. We don't just provide funding; we provide funding that understands them.
50+
Industries served
4,000+
Businesses funded
$350M+
In funding secured
95%
Client satisfaction
Industry-specific solutions, not a one-size template
With years of experience serving businesses across diverse sectors, our team understands the fluctuations, cash-flow patterns, and growth moments that define your industry.
Partnership first
We don't just provide funding — we build relationships. Every client is a partner, and their success is our success.
Transparency always
Honest communication is the foundation of trust. Clear terms, straightforward processes, and no surprise conditions.
Speed with care
We move fast on decisions without ever rushing your file. Every application gets real human consideration.
32 industries, each with its own playbook
Pick your sector to see the pressures we plan around, what businesses like yours spend funding on, and which structures tend to fit best.
Trades & Contracting
Construction Companies
Funding for contractors managing retainage delays, seasonal slowdowns, and heavy equipment costs.
Apply nowElectrical Contractors
Loans and credit lines for electrical contractors to cover trucks, tools, licensing, and payroll between jobs.
Apply nowHVAC Contractors
Financing for HVAC contractors to cover trucks, equipment, refrigerant, and the gap between peak seasons.
Apply nowPlumbing Companies
Funding built around a plumbing business's real cash-flow cycle, from emergency calls and seasonal swings to equipment that can't wait.
Apply nowRoofing Companies
Funding built for roofing's boom-and-wait cycle, where storm damage creates the work but the insurance company sets the payment timeline.
Apply nowLandscaping Companies
Funding timed to a landscaping business's growing season, from spring equipment costs to the slow months when snow or rain shuts down mowing routes.
Apply nowCleaning Services
Funding for a labor-heavy business where payroll comes due weekly and commercial clients pay on their own schedule.
Apply nowFood & Beverage
Restaurants
Funding for restaurants managing perishable inventory, equipment breakdowns, and seasonal slowdowns.
Apply nowCoffee Shops & Cafés
Financing for coffee shops and cafés to cover espresso equipment, buildouts, and the slow stretch between a big lease payment and the summer sales dip.
Apply nowBakeries
Financing built around thin ingredient margins, holiday demand spikes, and wholesale accounts that pay slow.
Apply nowBars & Breweries
Funding for bars and breweries to cover equipment, inventory, and seasonal cash flow gaps.
Apply nowCatering Companies
Financing for catering companies to cover kitchen equipment, event staffing, and the cash-flow gaps between deposits and final payouts.
Apply nowFood Trucks
Financing for food trucks to cover equipment breakdowns, permits, inventory, and the slow season.
Apply nowAutomotive
Auto Repair Shops
Financing built for auto repair shops covering equipment, parts inventory, and cash flow between seasonal rushes.
Apply nowCar Dealerships
Financing built for dealership cycles: inventory reconditioning, service bay equipment, and seasonal sales swings.
Apply nowCar Wash & Detailing
Financing for car wash and detailing businesses to cover tunnel equipment, water reclamation systems, and the slow stretch when the weather won't cooperate.
Apply nowTire Shops
Financing for tire shops and auto service centers to cover inventory, equipment, and slow-paying fleet accounts.
Apply nowTrucking & Transportation
Funding for trucking companies managing broker payment lags, fuel costs, and fleet repairs.
Apply nowHealth & Wellness
Medical Practices
Funding built for the reimbursement lag between treating a patient and collecting from the insurer, so a practice's cash flow doesn't run on the payer's schedule.
Apply nowDental Practices
Financing sized for dentistry's big-ticket costs, from operatory equipment to buying an existing practice from a retiring owner.
Apply nowPhysical Therapy Clinics
Financing for physical therapy clinics to cover equipment, payroll, and the wait on insurance reimbursement.
Apply nowGyms & Fitness Centers
Loans and credit lines for gyms and fitness centers to fund equipment, buildout, and membership cycles.
Apply nowBeauty Salons & Spas
Funding for salons and spas managing equipment costs, retail inventory, and seasonal demand.
Apply nowProfessional Services
Law Firms
Financing built for law firms managing case costs, contingency timelines, and slow-paying corporate clients.
Apply nowAccounting Firms
Financing built around the feast-or-famine cash flow of tax season and the slow months that follow it.
Apply nowInsurance Agencies
Financing for insurance agencies managing commission timing, book acquisitions, and licensing costs.
Apply nowReal Estate Agencies
Financing built for the gap between upfront listing costs and the commission check that arrives at closing.
Apply nowIT Service Providers
Financing for IT service providers to cover payroll, equipment, and the cash-flow gap between finishing a project and getting paid on net-30 or net-60 terms.
Apply nowRetail & Commerce
Retail Stores
Funding for retailers managing seasonal inventory buys, storefront upgrades, and growth.
Apply nowE-Commerce Retailers
Financing for e-commerce retailers to stock inventory ahead of peak season, fund ad spend, and cover the cash-flow lag between paying suppliers and getting paid by customers.
Apply nowManufacturers
Loans and credit lines for manufacturers to fund machinery, raw materials, and cash flow between purchase orders.
Apply nowDaycare & Childcare Centers
Financing built for licensing-driven costs, ratio-based staffing, and the enrollment cycles unique to childcare.
Apply nowDon't see your industry?
We've funded businesses across more than fifty sectors — there's a good chance we know yours. Tell us what you do and we'll tell you honestly whether we can help.
Industry funding questions
What if my industry is not listed?
We almost certainly still serve it. The industries here cover the sectors we are asked about most, but Capital Access Direct has funded businesses across more than fifty industries. If you don't see yours, apply or call us — underwriting looks at your revenue and history, not a fixed list of approved trades.
Does my industry change what funding I can get?
It changes what fits best. A trucking company with net-60 invoices is a natural fit for factoring, while a restaurant with heavy card volume suits a merchant cash advance. Your sector shapes the recommendation rather than deciding approval, which rests on revenue and history.
Do you fund seasonal businesses?
Yes, and regularly. Landscapers, roofers, food trucks, and holiday retailers all earn unevenly across the year. We can structure funding so repayment tracks your revenue curve instead of demanding a flat payment in your quietest month.
Do you work with newer businesses?
Many clients qualify with roughly six months of operating history, though requirements vary by product and by how strong recent revenue looks. Newer businesses typically start with revenue-based products. If you're close to the line, it's worth applying to find out.
Can I get funding for more than one location?
Yes. Multi-location operators are a common case, whether you're opening a second site or steadying cash flow across an existing group. Funding is underwritten against the whole business, so bring statements for all locations when you apply.
Do you understand the licensing and compliance costs in my trade?
Our specialists work with the same sectors every day, so certifications, bonding, insurance renewals, and equipment inspections are familiar territory. You shouldn't have to teach your funder how your industry works.
Ready to fund your next move?
Apply in under 10 minutes. A specialist gets back to you within two hours, and applying never touches your credit score.
- —Applying will not impact your credit score
- —Funding decisions in as little as 24 hours
- —A dedicated funding specialist, not a call center
- —Transparent terms with no hidden fees