Recurring revenue on paper and a deferred obligation underneath it. A gym that sold a year of memberships in January has the cash and owes twelve months of service — which is the opposite of the receivables position most advances are written against, and the reason underwriters look at this vertical differently.
Recurring revenue on paper and a deferred obligation underneath it. A gym that sold a year of memberships in January has the cash and owes twelve months of service — which is the opposite of the receivables position most advances are written against, and the reason underwriters look at this vertical differently.
The sharpest new-year effect of any vertical. January and February sign-ups are two to three times a normal month, and the attrition shows up in April and May. A file built on Q1 numbers overstates the business badly.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Heavy reliance on annual prepayments that inflate a single month
Membership churn visible as a declining deposit trend
Equipment finance holding a prior lien across the floor
Studios in build-out or their first six months, which fail the time-in-business floor
Improving but selective. The recurring billing model is attractive; the deferred revenue and the post-pandemic memory are not. Boutique studios with high per-member revenue place more easily than large-format low-price gyms.
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 gyms and fitness studios, before you spend anything.
$30K–$120K/month for independents and single-location studios, with advances typically landing at $20K–$60K. 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.
Heavy reliance on annual prepayments that inflate a single month, most commonly. The others worth screening for on the first call are membership churn visible as a declining deposit trend, equipment finance holding a prior lien across the floor, studios in build-out or their first six months, which fail the time-in-business floor.
$60 per lead across every vertical, in lead packs starting at 50. 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
E-commerce and retail
$30K–$200K/month
Home services — HVAC, plumbing, electrical
$40K–$250K/month
Auto repair and collision
$30K–$150K/month for independents, higher for multi-bay collision
Staffing and recruiting agencies
$50K–$500K/month, scaling fast in either direction
Salons, barbershops and spas
$30K–$90K/month for a single location
Liquor and convenience stores
$40K–$300K/month gross, with true margin a fraction of it
Landscaping and lawn care
$30K–$180K/month in season, far lower out of it
Manufacturing and wholesale
$60K–$600K/month
Independent auto dealers
$80K–$700K/month gross, with margin a small fraction of it
We will tell you straight up if we cannot help you. No commission deals, no free trials, no chasing you for three weeks.