Inventory-driven, with a use of funds that is almost always a purchase order. These are fast conversations — the merchant knows exactly what the money buys and exactly what it returns — and the deals close quickly when the statements support them.
Inventory-driven, with a use of funds that is almost always a purchase order. These are fast conversations — the merchant knows exactly what the money buys and exactly what it returns — and the deals close quickly when the statements support them.
The most pronounced of any vertical. Fourth-quarter revenue can be several times a summer month, so which four months the statements cover changes the file entirely — and the capital need almost always precedes the season rather than following it.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Elevated chargeback or refund activity
Revenue concentrated on a single platform or channel
Balance consistently drawn down into inventory with little cushion
Very recent trading history in a category with high failure rates
Moderate to good, and improving. Funders have become more comfortable reading platform settlement patterns than they were, but concentration on a single marketplace remains a genuine concern.
The feed is a round robin off live traffic, not a menu — we cannot promise a pure feed of any single industry. What we can do is tell you honestly whether the volume exists to weight your feed toward e-commerce and retail, before you spend anything.
$30K–$200K/month, with advances typically landing at $20K–$100K. Every lead clears the same six minimums regardless of vertical — $30K+ monthly revenue, $15K+ requested, six months trading, four months of statements available, U.S.-based and mobile-verified by a 6-digit code.
Not exclusively. 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. We can weight your feed toward a vertical where the volume supports it, and we will tell you plainly before you order whether it does.
Elevated chargeback or refund activity, most commonly. The others worth screening for on the first call are revenue concentrated on a single platform or channel, balance consistently drawn down into inventory with little cushion, very recent trading history in a category with high failure rates.
$60 per lead across every vertical, with a 25-lead minimum. A feed filtered to merchants doing $50,000 a month or more is $70. Full pricing and the market context is on the buy page.
Trucking and transportation
$30K–$180K/month, clustered at the lower end for owner-operators
Restaurants and food service
$25K–$120K/month for independents
Construction and contracting
$50K–$400K/month, with a long tail above
Medical practices and med spas
$60K–$300K/month
Home services — HVAC, plumbing, electrical
$40K–$250K/month
We will tell you straight up if we cannot help you. No commission deals, no free trials, no chasing you for three weeks.