Every lead clears the same six minimums whatever the merchant does. What changes by vertical is how the file underwrites, why deals die, and which funders actually want it — which is most of what a broker adds to a deal.
14 verticals, each with its own decline reasons.
The feed is a round robin off live traffic rather than a menu, so a pure single-industry feed is not something we can honestly promise. What we can do is tell you before you order whether the volume exists to weight your feed toward a vertical — and, more usefully, tell you what the files in it look like once they arrive.
Trucking and transportation
An existing factoring agreement that already assigns the receivables is the most common reason these deals die.
Restaurants and food service
Negative days, which are more common here than in almost any vertical is the most common reason these deals die.
Construction and contracting
Customer concentration — one client representing most of the revenue is the most common reason these deals die.
Medical practices and med spas
Entity mismatch between the practice, the professional corporation and the account is the most common reason these deals die.
E-commerce and retail
Elevated chargeback or refund activity is the most common reason these deals die.
Home services — HVAC, plumbing, electrical
Existing equipment finance already heavily committing the receipts is the most common reason these deals die.
Auto repair and collision
Heavy insurer receivables with no explanation of the billing cycle is the most common reason these deals die.
Staffing and recruiting agencies
An existing invoice factoring facility with a blanket assignment is the most common reason these deals die.
Salons, barbershops and spas
Booth-rent models where banked revenue is a fraction of the shop’s gross is the most common reason these deals die.
Liquor and convenience stores
Gross deposits that collapse once lottery and ATM flows are removed is the most common reason these deals die.
Gyms and fitness studios
Heavy reliance on annual prepayments that inflate a single month is the most common reason these deals die.
Landscaping and lawn care
Four months of statements drawn entirely from the off-season is the most common reason these deals die.
Manufacturing and wholesale
One customer representing the majority of revenue is the most common reason these deals die.
Independent auto dealers
Floor plan facilities with blanket coverage over inventory is the most common reason these deals die.
Regulation varies by where the merchant is rather than what they do — that is on the state pages.
We will tell you straight up if we cannot help you. No commission deals, no free trials, no chasing you for three weeks.