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Questions? We're always open. (844) 284–2725 Contact us
Funding Calculator Apply now

Business Loans by Industry

Small business loans built for the way your sector actually works.

From construction to restaurants to healthcare — find the financing solution built for your industry’s unique cash flow.

Explore Our Industries

Find the financing solution built for your sector.

Construction & Trades

Construction

Bridge cash flow gaps, buy heavy equipment, and cover payroll between project milestones.

HVAC

Cover upfront materials, vehicle repairs, and seasonal staffing for your HVAC business.

Manufacturing

Capital to fulfill large purchase orders, upgrade machinery, and optimize your supply chain.

Roofing

Bridge insurance payout gaps, buy materials in bulk, and hire seasonal crews for your roofing business

Retail, Food & Hospitality

Restaurants

Fast capital for kitchen upgrades, seasonal slowdowns, expansions, or unexpected repairs.

Retail

Prepare for seasonal rushes, buy inventory in bulk, and launch new storefront locations.

Beauty & Wellness

Grow your salon, spa, or fitness center with flexible financing for renovations and marketing.

Food Trucks

Buy a truck, cover commissary and permit costs, and fund your next route or event territory.

Healthcare & Professional Services

Healthcare & Medical

Finance medical equipment, manage insurance payout delays, and expand your practice.

Veterinarian Practices

Access funding for specialized vet equipment, clinic expansions, and working capital.

Dental Practices

Finance dental equipment, bridge insurance reimbursement delays, and fund practice expansion.

Transport & Logistics

Trucking & Transportation

Keep your fleet moving with financing for commercial trucks, repairs, and fuel costs.

Automotive Services

Financing for auto repair shops, dealerships, and collision centers to buy parts and tools.

Gas Stations

Financing for UST compliance upgrades, fuel inventory, c-store renovations, and equipment replacement.

Why Industry-Specific Underwriting Matters

What is industry-specific underwriting? It is an evaluation process where lenders analyze a business’s health based on the unique revenue cycles of its specific sector, rather than applying a generic credit model.

At SBG Funding, we understand that a construction company waiting on net-60 invoice terms has completely different cash flow needs than a retail storefront preparing for a holiday rush. By tailoring our underwriting to your industry, we are able to maintain an 85% approval rate and offer customized terms that traditional banks simply cannot match.

Frequently Asked Questions

  • Are there restricted industries that SBG Funding will not finance?

    We are able to fund the vast majority of legal, for-profit businesses operating in the United States. However, we typically do not fund adult entertainment, gambling, or highly speculative industries. If you generate $250,000+ in annual revenue and have a 500+ FICO score, you likely qualify.

  • Does my industry affect my business loan interest rate?

    Your industry is just one of many factors considered during underwriting. While certain high-risk industries may face stricter terms at traditional banks, SBG Funding looks primarily at your cash flow, time in business, and overall revenue health to determine your rate.

  • What if my specific industry isn’t listed here?

    The categories above represent our most common funding verticals, but they are not an exhaustive list. We fund thousands of businesses across dozens of unlisted micro-verticals. If you meet our baseline revenue and time-in-business requirements, we can secure capital for you.

Ready to get funded?

Apply online in minutes — no collateral, no hard credit pull, no obligation.

Apply Now →

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If you can’t hang on then give us a call at (844) 284-2725 or complete your working capital application here.

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