Built for the people who open the shutters.

Accounting and tax firms

Hiring ahead of tax season

Auto dealers

Auction purchases come before retail cash

Auto repair shops

Parts bills come before the repair is paid

Bakeries and cafes

Ingredients must be bought before the sales

Bars and nightlife

Payroll before the weekend rush

Car washes

Tunnel equipment needs attention

Chiropractic and physical therapy

Insurance claims take time to turn into cash

Cleaning and janitorial companies

Payroll comes before client payment

Daycare and childcare centers

Payroll comes before tuition clears

Dental practices

Insurance claims waiting to clear

Dry cleaners and laundromats

A washer, dryer, boiler, or press goes down

Ecommerce brands

Supplier deposits come before customer demand is proven

Electrical contractors

Payroll comes before the progress payment

Event venues and planners

Costs arrive before final balances

Farms and agriculture

Inputs come before crop revenue

Food trucks and catering

Food and supplies come before event revenue

Furniture and home goods stores

Inventory paid before the floor sells

General contractors and construction

Job costs come before the first draw

Grocery and convenience stores

Inventory bills come before the shelf sales

Gyms and fitness studios

Payroll lands before membership cash settles

Home health care agencies

Payroll before reimbursement

Hotels and motels

Quiet-season bills keep coming

HVAC contractors

Buying equipment before peak season

Independent pharmacies

Paying wholesalers before reimbursement arrives

IT services and MSPs

Payroll before project collection

Jewelry stores

Buying inventory ahead of peak season

Landscaping and lawn care

Crew costs arrive before the season does

Law firms

Contingency cases take time to resolve

Liquor stores

Inventory before peak dates

Logistics and freight

Fuel and tolls before settlement

Manufacturing

Materials come before customer cash

Marketing agencies

Payroll comes before client payment

Medical practices

Insurance claims take time to pay

Pest control companies

Hiring ahead of the spring rush

Plumbing companies

Payroll before the invoice clears

Pool and spa services

Preseason hiring and route preparation

Printing and signage

Materials have to be bought before the job is paid

Private schools and tutoring

Payroll before tuition clears

Property management companies

Payroll before management fees arrive

Restaurants

Payroll lands before the weekend rush

Retail boutiques and apparel

Buying seasonal inventory ahead of sales

Roofing contractors

Materials are due before the job pays

Salons and barbershops

Payroll lands before every appointment is paid out

Security companies

Payroll before the client pays

Spas and med spas

The room is booked, but the payout is still pending

Staffing agencies

Payroll lands before client cash

Towing companies

Repairs do not wait for receivables

Trucking companies

Fuel before the load pays

Veterinary clinics

Insurance reimbursements arrive after care is delivered

Wholesale and distribution

Buying inventory ahead of demand