Merchant Cash Advance by Industry
Your industry changes how an MCA funder reads your bank statement. Find your trade below to see what funders look at, then send your application when your file is ready.
We shop most businesses that take steady deposits into a business bank account. That runs from restaurants and trucking to staffing agencies. Industry changes how the statement reads. It sets when money comes in, what the big bills are, and which month looks weak. Funders price those patterns in different ways. So we match files by industry.
Who should read this: owners who want to see how their statement looks to a funder, and brokers matching a file to a funder.
Why does industry change how a funder reads the statement?
The same deposit total can mean very different things. A restaurant gets card batches every day. A contractor may get two big progress payments a month. A trucker's factoring deposits must be split from its own receipts. Some funders also avoid whole industries. Each keeps its own list. A file one funder turns down can fit another.
To see how many employer businesses each trade has in your city, open the City employer data report, built from Census Bureau counts for major U.S. cities.
We're not a funder.
We don't fund deals ourselves. We shop yours with funders who do, so you see more than one offer.
Only funders that fit.
Your file goes to funders that work with your industry and your deal size. Nobody else sees it.
You make the call.
Every offer comes to you in writing. Nothing happens until you pick one.
- What it costs to apply
- Nothing. Applying costs you nothing, and Afterfirst MCA charges you no fee.
- Credit
- Ask us how each funder checks credit before you agree to anything.
- Speed
- We call you back and talk with you before your file goes to any funder.
- Offers
- Every offer shows the total payback, the payment amount, how often it comes out, and the term.
Why some industries are restricted
Funders limit some industries. The deposits may be hard to check, the sales hard to predict, or the rules strict. Each funder has its own list, and lists change.
Cash and pass-through revenue that is hard to verify
Some industries are harder to read. Cash-heavy trades are one kind. Firms whose sales pass through to others are another. Funders want deposits they can trace to customers.
A cash-heavy business that deposits little
A cash business only shows the sales it deposits. Funders can't size an offer on money that never reaches the bank.
Depositing cash receipts on a schedule
Cash deposited on a steady schedule lets a funder count that revenue. Big, uneven deposits are harder to count.
Deposit slips that match the register
Deposits that match daily register totals make cash sales easy to trust. A funder may ask for a few register reports.
Lottery sweeps and fuel drafts come out
Lottery sweeps and fuel drafts pass through to others. They are marked and taken out of actual deposits. The convenience store page shows how.
MCA industries we cover in depth
The main industries we cover, grouped by how money comes in:
Daily card and cash deposits - Restaurants - Retail - Convenience stores - Salons and spas - Gyms and fitness studios
Job-based or invoice deposits - Construction - HVAC and plumbing - Landscaping - Auto repair - Staffing agencies
Platform, insurance or trade-terms deposits - Ecommerce - Medical and dental - Trucking - Wholesale and distribution - Manufacturing
What if my industry is not listed?
An industry not on the list is not a no. Email us a line on how customers pay you. Keep statements until we reply. We'll tell you if we know funders for that kind of file.
How should a broker flag the industry on an application?
A broker should name the industry plainly. Then add the detail that changes the read: busy seasons, factoring, platform reserves, or a few big customers. A trucking file marked "transportation" with no word on factoring wastes an application. Put the facts on the sheet. What owners in these trades use the money for is on the Uses of funds page.
Which industries do we find merchant cash advance funders for?
For each of these industries we explain how funders read that trade's bank statements and which options fit.
Merchant cash advance for auto repair shops
Auto repair shop financing with an MCA starts with the bank statement. See how funders read insurer checks, parts bills and fleet accounts.
Bar and tavern merchant cash advance
How funders read bars and taverns: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Car wash merchant cash advance
How funders read car washes: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Chiropractic merchant cash advance
How funders read chiropractic offices: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Cleaning and janitorial merchant cash advance
How funders read cleaning and janitorial companies: money in, a BLS month-by-month staffing table, common uses, and slow-month math.
Construction merchant cash advance
Construction business funding with an MCA. See how funders average progress payments, treat retainage, and why weekly payments can fit.
Convenience store merchant cash advance
Convenience store funding is sized on what the store keeps. See how funders sort lottery sweeps, fuel drafts and supplier bills.
Daycare and child care merchant cash advance
How funders read daycares and child care centers: money in, a BLS month-by-month staffing table, common uses, and slow-month math.
Dental office merchant cash advance
How funders read dental offices: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Dry cleaner merchant cash advance
How funders read dry cleaners: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Ecommerce merchant cash advance
Ecommerce funding with an MCA. See how funders read net payouts and platform reserves, and why platform financing counts as a prior position.
Electrical contractor merchant cash advance
How funders read electrical contractors: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Florist merchant cash advance
How funders read florists: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Food truck merchant cash advance
How funders read food trucks: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Grocery store merchant cash advance
How funders read grocery stores: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Gym and fitness studio merchant cash advance
Gym funding with an MCA. See how funders read member drafts, paid-up yearly plans, rent and gear leases for gyms and fitness studios.
Home health merchant cash advance
How funders read home health agencies: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Hotel and motel merchant cash advance
How funders read hotels and motels: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
HVAC and plumbing merchant cash advance
HVAC business financing with an MCA. See how service calls, big installs, service plans and busy seasons look on a bank statement.
Landscaping merchant cash advance
Financing for landscaping business owners with an MCA. See how funders read a seasonal file, and when an advance timed to spring fits.
Laundromat merchant cash advance
How funders read laundromats: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Liquor store merchant cash advance
How funders read liquor stores: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Manufacturing merchant cash advance
Manufacturing business funding with an MCA. See how funders read long build cycles, open purchase orders and machine payments.
Medical and dental practice merchant cash advance
Medical practice funding through a merchant cash advance: how funders read insurance reimbursements, patient payments and financing payouts.
Moving company merchant cash advance
How funders read moving companies: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Pest control merchant cash advance
How funders read pest control companies: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Pharmacy merchant cash advance
How funders read independent pharmacies: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Physical therapy merchant cash advance
How funders read physical therapy clinics: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Print shop merchant cash advance
How funders read commercial print shops: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Restaurant merchant cash advance
Restaurant cash advance offers depend on card batches, tips, food bills and the slow season. See how funders read a restaurant bank statement.
Retail merchant cash advance
Retail store funding with an MCA. See how a holiday peak skews the average, when to apply, and which bills funders look at closely.
Roofing merchant cash advance
How funders read roofing contractors: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Salon and spa merchant cash advance
Salon funding with an MCA. See how booth rent, commission pay, gift cards and slow weeks show up when a funder reads the file.
Security guard company merchant cash advance
How funders read security guard companies: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Staffing agency merchant cash advance
Staffing agency funding with an MCA. See the weekly payroll gap, the payroll tax records funders ask for, and how factoring limits what can be sold.
Tax preparer merchant cash advance
Tax preparers hire for a winter filing season and run lean from May to October. See BLS month data, what funders read and how to send one file.
Towing merchant cash advance
How funders read towing companies: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Trucking merchant cash advance
Trucking company funding through a merchant cash advance depends on what is not factored. Fuel cards, truck notes and seasons, as funders read them.
Used car dealer merchant cash advance
How funders read used car dealers: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Veterinary merchant cash advance
How funders read veterinary clinics: how money comes in, a month-by-month staffing table from BLS data, common uses, and the slow-month payment math.
Wholesale distribution merchant cash advance
Wholesale distribution financing with a merchant cash advance: customer concentration, net terms and supplier wires, and when factoring fits better.
Industry questions we hear
Do some funders refuse certain industries?
Yes. Each funder keeps its own list of industries it limits or won't fund. The lists differ. That is one reason a team with many funders shops a file to more than one.
Does a seasonal business qualify for a merchant cash advance?
Seasonal businesses do get advances. But funders look closely at the slow months. Many read a full year of statements, or the same months last year, to find the low point. A split holdback or a changed schedule may matter more here.
Which deposits do funders leave out when they read my statements?
Funders often leave out transfers between your own accounts. They also drop borrowed funds, advance funds and returned items. What is left is often called actual deposits. Each funder uses its own method.
Sources
- The U.S. Census Bureau's County Business Patterns series counts firms, jobs and payroll by industry. It's a neutral guide to the industries listed here.
Afterfirst is not a funder; all offers are subject to funder underwriting.
Cost, credit, speed and stacking
Cost
Credit
Speed
Stacking
Send one file.
See what fits.
Call 877-FUND-654 with questions.