Guides
Why banks decline, by industry
The reason a bank turns you down is usually specific to your trade — and it is often the same reason a revenue-based funder says yes.
One application, every lender we work with
Find out what you qualify for.
Eleven questions, about two minutes. The lenders who fund your industry and your state see it; you compare their offers and take one, or none.
Submit an application- Won't affect your credit
- Free, no obligation
- Up to $500K
16 guides
Start here — any industry
The five reasons that recur whatever the trade, the alternative each one points to, and what to do the week after a no.
Construction
Revenue arrives in lumps tied to progress draws.
Restaurants & food service
Declined on the category before the numbers are read.
Retail
Cash tied up in stock reads as poor liquidity.
Healthcare & medical practices
Approval is not the problem — reimbursement lag is.
Trucking & transportation
One or two assets, thin equity, volatile fuel.
Real estate
Commission income is irregular by design.
Professional services
A firm of people has nothing to pledge.
Manufacturing
Cash sits in work in progress for sixty days.
Auto repair & mechanics
Declined on size before the trade is read.
Landscaping
A quiet January read as a decline, not a season.
Cleaning services
Labour-heavy, with almost nothing to secure against.
E-commerce
No premises, and often no credit history yet.
Technology
Asset-light and unprofitable on purpose.
Salons & beauty
Small, leased, and asset-light on paper.
Gyms & fitness
Heavy fixed costs against cancellable memberships.
Other guides
- If you need money this week
- Something broke
- Whether you'll qualify
- What it costs
- The best options, compared
- If you already have an advance
- Applying without getting burned
- Merchant cash advances, explained
- Working capital, explained
- Equipment financing, explained
- Lines of credit, explained
- Buying, expanding, opening
- Difficult situations
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K