Industries
Funding built around how your industry gets paid.
Every industry runs on a different clock. AXIS funds the gap between the work you deliver and the invoice, draw or payout that finally clears, so a slow-paying customer never dictates the pace you can grow at.
Built for your trade
Pick the trade that looks like yours.
Six industries where getting paid late and paying early is just how the work goes.
Trucking & Logistics
Keep the wheels turning between invoices.
Funding for TruckingRestaurants & Food Service
Fund the slow season before it starts.
Funding for RestaurantsContractors & Construction
Start the job before the draw clears.
Funding for ContractorsRetail & Storefronts
Stock the shelves for the season that pays the year.
Funding for RetailMedical, Dental & Wellness
Grow the practice without waiting on reimbursements.
Funding for MedicalE-commerce & Online Sellers
Buy inventory at the pace your ads can sell it.
Funding for E-commerceWhy industry matters in underwriting
We underwrite the industry, not just the score.
Two businesses with identical credit scores can need completely different funding structures.
Seasonality
A restaurant’s slow month and a retailer’s peak season run on different calendars. We read the pattern your industry actually follows, not a flat trailing average.
Card vs. ACH revenue
A daily card batch settles differently than an ACH draw or a wire. The mix changes what a holdback, weekly draw or fixed payment should look like.
Invoice cycles
Net-30 broker terms, 45-day insurance reimbursements and progress-payment draws each create a different-shaped gap between work done and cash in hand.
Equipment intensity
Fleets, kitchens and clinical equipment carry collateral value. That can lower the cost of financing versus an unsecured advance.
Cash-flow gap map
Where the gap shows up, by industry.
The gap looks different in every trade. Here is where it usually shows up, and what typically closes it.
| Industry | Typical gap | Usual fix |
|---|---|---|
| Trucking & Logistics | Fuel, tolls and repairs are due before a broker pays on net-30 to net-90 terms. | Merchant Cash Advance |
| Restaurants & Food Service | Payroll and rent stay fixed through a slow season while margins are already thin. | Merchant Cash Advance |
| Contractors & Construction | Materials and subcontractor deposits go out up front while draws and retainage lag weeks behind. | Business Line of Credit |
| Retail & Storefronts | Inventory has to be paid for weeks before it sells, right when peak season is approaching. | Merchant Cash Advance |
| Medical, Dental & Wellness | Staffing and equipment costs are current while insurance reimburses in 45 to 90 days. | Equipment Financing |
| E-commerce & Online Sellers | Suppliers and ad spend are due now while marketplace payouts lag one to two weeks. | Merchant Cash Advance |
Straight answers
Questions owners ask about industry-specific funding.
Does my industry change what I qualify for?
It changes which product and repayment structure fits best, not the baseline. Every industry we fund is measured against the same floor: 6 months in business, $10,000+ in average monthly revenue, and a soft credit pull to start.
What if my business is not one of these six?
These are the industries we see most often, not an exhaustive list. Apply and an advisor will tell you the same business day whether your revenue pattern fits one of our products.
Do seasonal businesses qualify?
Yes. Revenue-first underwriting is built for that: we read monthly deposits and trend, not a flat annual average, so a strong season can support financing that carries a slower one.
Is equipment financing only available in certain industries?
No, but it fits best anywhere a specific asset, like a truck, an oven or an imaging unit, can secure the financing. That typically prices lower than an unsecured advance.
Can I apply once and be considered for more than one product?
Yes. One application and one advisor cover all four products, so you get options across the ones that fit your file instead of a single take-it-or-leave-it offer.
Ready to see your numbers?
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.