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Funding for business owners

Business funding for the way you operate.

Start with your business, the expense you need to cover, and when revenue will arrive. Explore industry-specific funding considerations, then review the products and requirements that fit your request.

Business-purpose funding. Subject to underwriting, verification, and program availability.

Find your industry

Each industry has a different cash cycle. These guides connect common expenses to questions worth asking before you apply.

Business Opportunity Brief — Take Advantage of Your Season

Five seasonal revenue plays — the season, the play, and the sale to advertise before the spike, for gyms and fitness, tax and accounting, HVAC, landscaping and lawn care, and wedding venues and photographers.

Read the brief →

Restaurant funding

Plan for food inventory, kitchen equipment, staffing, and seasonal cash needs.

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Construction business funding

Plan for materials and payroll while you wait for customer payments.

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Auto repair shop financing

Compare funding for lifts, diagnostic tools, parts, and shop capacity.

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Retail inventory funding

Prepare for supplier deposits, seasonal stock, and the time it takes to sell through.

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Medical practice funding

Fund imaging equipment, expansion, payroll, and insurance-timing gaps.

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Trucking business funding

Cover fuel, maintenance, driver payroll, and new tractors.

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Hotel funding

Plan renovations, seasonal staffing, franchise fees, and occupancy gaps.

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Home services funding

Fund trucks, equipment, crew payroll, and materials for HVAC, plumbing, and electrical.

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Ecommerce funding

Fund inventory, ad spend, and fulfillment for online retail growth.

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Law firm funding

Fund case costs, expert witnesses, and contingency-fee timing gaps.

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Manufacturing funding

Fund raw materials, equipment, payroll, and big purchase orders.

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Auto dealership funding

Fund inventory beyond floorplan limits, reconditioning, and marketing.

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Franchise funding

Fund franchise fees, build-out, equipment packages, and multi-unit growth.

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Salon & spa funding

Fund renovations, chairs and stations, product inventory, and hiring.

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Dental practice funding

Fund operatories, digital equipment, staff, and patient marketing.

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Veterinary practice funding

Fund imaging, surgical suites, staff, and pharmacy inventory.

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Independent pharmacy funding

Fund inventory, reimbursement gaps, and new services — no grant waiting.

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Fitness center funding

Fund equipment, buildouts, trainers, and member programs.

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Daycare funding

Fund classrooms, playgrounds, teachers, and new centers.

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Laundromat financing

Fund washers, dryers, card systems, and new stores.

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Car wash business financing

Fund tunnels, bays, equipment, and site development.

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HVAC contractor financing

Fund vans, equipment, parts inventory, and crew payroll.

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Roofing company financing

Fund materials, crews, trailers, and storm-season growth.

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Plumbing business funding

Fund vans, parts, techs, and commercial contracts.

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Bakery financing

Fund ovens, mixers, display cases, and a second location.

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Landscaping business funding

Fund crews, mowers, trucks, and winter cash reserves.

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Electrical contractor financing

Fund vans, tools, materials, and crew payroll.

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Coffee shop financing

Fund espresso machines, grinders, roasters, and build-out.

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Dry cleaner financing

Fund machines, presses, lease costs, and relocation.

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Start with the funding purpose

Working capital

Map payroll, inventory, and operating bills against expected receipts. Determine whether the need is a temporary timing gap or a recurring shortfall.

Estimate your working-capital need →

Equipment

Get an itemized quote and include delivery, setup, training, and the cash you will need before the equipment starts generating revenue.

Review equipment financing →

Expansion

Separate one-time opening costs from the operating reserve needed while a new location or additional capacity gets established.

Build an expansion budget →

Repeat access

A revolving line may support recurring draw needs. Compare availability, fees, payment timing, and account-review requirements.

Review business lines of credit →

Starting requirements and documents

Logic’s published guidelines start at $25,000 in monthly business revenue. MCA and line-of-credit guidelines start at six months in business; equipment and term-funding guidelines start at one year. Credit requirements and additional conditions differ by product. Meeting a minimum does not guarantee approval.

  • Prepare a signed application and four recent, complete business bank statements.
  • List current funding or advances, remaining balances, and payment schedules.
  • Explain the amount requested, its business purpose, and your desired timing.
  • Have identification, ownership details, and any additional records ready when requested through the approved channel.

Review the current product requirements and our bank statement preparation guide.

Know what happens after you apply

  1. Submit your request. Tell Logic about your business, funding purpose, amount, and timing.
  2. Complete the review. Supply the required documents and respond to any verification requests.
  3. Review any available offer. Compare costs, payment obligations, and conditions before accepting.
  4. Complete closing. Funds availability depends on approval, completed agreements, verification, and bank processing.

Submitting an application does not guarantee an offer. If you need help preparing, contact the team.

Start With Your Cash Cycle, Then Pick the Product

Every industry on this page runs on a different cash cycle, and that cycle — not the product name — should drive your request. A restaurant buys food days before it sells it, a contractor pays crews weeks before a customer pays an invoice, and a retailer commits to seasonal stock months before it sells through. Logic Advance publishes a funding guide for each of these industries and more — 29 guides in total — because the right questions differ by trade: what the money is for, when revenue arrives to cover it, and which documents prove the plan.

The starting guidelines are the same honest ones across industries: $25,000 in monthly business revenue, six months in business for merchant cash advance and line-of-credit guidelines, and one year for equipment and term-funding guidelines, with a signed application and four recent, complete bank statements. Meeting a minimum does not guarantee approval — underwriting weighs your industry, revenue, and existing obligations together.

If your bank judged your trade by a template it does not fit, or a broker pitched you a product before asking how your business actually earns, that is exactly the frustration this page was built to end. Find your industry, read its guide, and apply with a team that is growing by investing in the businesses and partners it funds. Your search ends here.

Two Businesses, Same Revenue, Different Right Answers

Two businesses with identical revenue can need opposite funding. A retailer earning $25,000 a month commits cash to seasonal stock months before it sells through, while a contractor earning the same $25,000 pays crews weeks before a customer's payment lands. The revenue line matches; the cash cycle does not — and the cash cycle is what decides the right product, the right amount, and the right week to apply.

That is why this page publishes a dedicated guide per industry — 29 guides in total — instead of one generic answer. Each guide connects its industry's common expenses to the questions worth asking first: working capital mapped against expected receipts, equipment priced with delivery, setup, and training included, and expansion split between one-time opening costs and the operating reserve the new capacity needs while it ramps. Underneath, the starting guidelines stay the same honest ones: $25,000 in monthly business revenue, six months in business for merchant cash advance and line-of-credit guidelines, one year for equipment and term-funding guidelines, and a file that starts with a signed application and four recent, complete bank statements.

Logic Advance is growing by investing in exactly this — industry-by-industry guidance for the businesses it funds and resources for the partner network that serves them — because a generic answer is how owners end up with the wrong structure. If a bank judged your business by a template built for a different trade, your search ends here. Find your industry, read its guide, and apply with a team that starts from how your business actually earns.

Start With Your Cash Cycle, Not Your Industry Label

Two businesses carrying the same industry label can still need opposite funding, because the label does not decide the structure — the cash cycle does: when money goes out, when it comes back, and which documents prove the plan. Start with your cash cycle, and your industry guide becomes a map instead of a guess. This page works the contrast in plain numbers: a retailer earning $25,000 a month commits cash to seasonal stock months before it sells through, while a contractor earning the same $25,000 pays crews weeks before a customer payment lands. Same revenue line, opposite timing — and timing is what sizes the request.

Underneath every industry, the starting guidelines stay the same honest ones: $25,000 in monthly business revenue, six months in business for merchant cash advance and line-of-credit guidelines, one year for equipment and term-funding guidelines, and a file that starts with a signed application and four recent, complete bank statements. Read your industry guide for the timing, then the product page for the terms, and bring both to one conversation. Logic Advance is growing by investing in exactly this industry-by-industry guidance, and in the partner network that serves these trades. If a bank judged your business by a template built for a different trade, or a broker never asked how your money actually moves, your search ends here. Find your industry, start from your cash cycle, and apply once, with the signed application, the four statements, and the one document your trade lives by — and the conversation starts from evidence instead of labels.

Your Industry Sets the Questions, Your Statements Give the Answers

Two businesses with the same revenue can need completely different funding, and the difference is their industry: a retailer's money sits in inventory until it sells, a contractor's money sits in finished work until an invoice pays, and a restaurant's money turns over every night. That is why this hub starts with your trade instead of a product — the industry sets the questions a reviewer asks, and your bank statements give the answers in your own numbers.

The starting point is shared, and it is published: guidelines begin at $25,000 in monthly business revenue, with six months in business for a merchant cash advance or line of credit and one year for equipment and term funding, reviewed from a signed application and four recent, complete bank statements. What changes by industry is the evidence on top — the equipment quote, the opening budget, the record of upcoming work — and each industry guide on this page names the evidence for its trade, so you gather the right file the first time.

Logic Advance is growing industry by industry, funding owners in the trades it has taken the time to understand, and investing in the partner network that works in those same trades. If a bank reviewed your business against a template written for a different industry, or a broker pitched you a product before asking what you do, that mismatch ends here. You found the team that starts with your industry. Find your guide, apply once, and get back to the work.

Build Next Year's Funding Calendar From Your Industry Guide

Your industry guide can plan next year before next year starts: read it with a blank calendar open and mark the months your trade spends ahead of its revenue. This page publishes a funding guide for each industry it serves, 29 guides in total, because every trade's heavy months land in different places: a retailer's cash commits to seasonal stock months before it sells through, a contractor's cash goes out in crews weeks before a customer payment lands, and a restaurant's money turns over every night. Put your trade's three heaviest expense months on the calendar now, with the guide's documents gathered a month ahead of each, and the year stops surprising you one expense at a time.

Underneath every industry on the calendar, the starting point stays the same and stays published: guidelines begin at $25,000 in monthly business revenue, with six months in business for a merchant cash advance or line of credit and one year for equipment and term funding, reviewed from a signed application and four recent, complete bank statements. Mark beside each heavy month the evidence that trade lives by, the equipment quote, the opening budget, the record of upcoming work, because each guide on this page names the evidence for its trade. Logic Advance is growing industry by industry, funding owners in the trades it has taken the time to understand, and investing in the partner network that works in those same trades. If a bank reviewed your year against a calendar written for a different industry, or a broker showed up only in the week the money ran out, that mismatch ends here. You found the team that plans the year with you, finally.

Questions business owners ask

Do you offer the same funding to every industry?

No. Industry, operating history, revenue, existing obligations, location, and underwriting can affect available products and terms. The industry guides are starting points for a conversation.

Where can I compare the different products?

Visit our financing solutions page for MCA, line-of-credit, equipment financing, and term-funding information.

Can a brand-new business use these guidelines?

The published programs have operating-history and revenue requirements. Review the current requirements before applying; this site does not promise startup funding.

How much funding should I request?

Start with your documented expense and cash-flow gap, including a realistic reserve and any resources already available. The amount you request and any approved amount may differ.

How do I find the funding guide for my industry?

Use the industry list on this page — each entry links to a guide covering that trade's common expenses, documents, and timing questions, from restaurants and construction to salons, pharmacies, and trucking. Start with your guide, then review the product requirements that fit your request before applying.

What if my industry is not listed here?

The guides are starting points for a conversation, not a closed list of who can apply. Industry is one factor underwriting weighs alongside revenue, operating history, and existing obligations. Contact the team, describe how your business earns, and ask which product review fits your situation.

Does my industry change how much funding I should request?

It changes the timing behind the number. Start with your documented expense and cash-flow gap, including a realistic reserve, then check that amount against when your industry's revenue actually arrives — a gap a retailer bridges in a season differs from one a contractor bridges in a billing cycle.

What documents does my industry need beyond bank statements?

Start with a signed application and four recent, complete business bank statements for every industry. Beyond that, bring the paperwork behind your purpose: an itemized vendor quote for equipment, a supplier quote and delivery schedule for inventory, or contractor bids for a build-out, as your industry guide describes.

Can two businesses in the same industry receive different offers?

Yes. Two businesses in the same trade can differ on revenue, operating history, existing obligations, location, and the amount requested, and underwriting weighs all of it. That is why the industry guides explain considerations and starting guidelines rather than promising a standard offer for a whole industry.

How should a seasonal business time its application?

Apply ahead of the season the money is for, while your recent statements show the business preparing for it — stock ordered, crews scheduled, bookings building. Applying early gives underwriting time to review a complete file and gives you an answer before the expense is due, not after the season has started.

How do I use my industry guide together with the product pages?

Start with the guide for your industry to frame the need — the common expenses, the cash cycle, and the questions worth asking — then use the product pages to compare the structures that could fund it. The guide tells you what to plan for; the product pages carry the amounts, guidelines, and terms your plan has to fit.

My business spans two industries — which guide should I start with?

Start with the guide for the part of the business the funding is for. A contractor who also runs a retail counter funds a truck from the home services logic and seasonal stock from the retail logic, because the cash cycles differ. Name both sides of the business in your application so the review sees the full revenue picture.

Does my industry guide replace the product requirements?

No. The guides explain funding considerations and starting guidelines for an industry; the product pages carry the current requirements for each structure, and final approval depends on underwriting and verification. Meeting a guideline in a guide is a starting point for a conversation, not an offer — the complete file decides.

What should I prepare after reading my industry guide, before I apply?

The same core file every industry starts with: a signed application and four recent, complete business bank statements, a list of current funding with balances and payment schedules, and the amount, purpose, and timing of your request. Then add what your guide names — for equipment, the vendor quote; for inventory, the supplier terms; for expansion, the opening budget.

Can a seasonal industry use the same starting guidelines as a year-round one?

Yes — the starting guidelines do not change by season: $25,000 in monthly business revenue, six months in business for merchant cash advance and line-of-credit guidelines, one year for equipment and term funding. What changes is timing. This page's advice stands: apply ahead of the season the money is for, while your statements show the business preparing for it.

If my industry guide and a product page seem to say different things, which do I follow?

Follow the product page for requirements and this hub for direction, then ask the team to confirm before you rely on either. Guides explain considerations in plain terms; product pages carry the specific guidelines underwriting applies. Where the two seem to differ, the written offer for your business is the document that controls.

How do I describe my cash cycle when I apply?

Say it in three plain parts: when money goes out, when it comes back, and what sits in between — stock on a shelf, crews on a job, or materials in production. That short description tells the review more than your industry label does, because the right product and amount are decided by timing, not by trade name.

What if my busiest season falls in a different quarter than most of my industry?

Say so plainly, and bring the statements that prove it. The starting guidelines do not change by season, but timing does: a business whose peak lands in a different quarter should size and schedule its request around its own calendar, not the industry average printed in a guide.

What should I do if my industry guide was written for a larger business than mine?

Use the guide for timing and documents, and the product pages for the guidelines that actually govern your file: $25,000 in monthly business revenue is the published starting point across industries. A smaller business is not disqualified by a guide's examples — the review runs on your revenue, history, and plan.

Which page should I read first, my industry guide or a product page?

Read the industry guide first for how your trade's cash moves, then the product page for the specific guidelines underwriting applies. The hub gives direction, the product page gives requirements, and where the two seem to differ, the written offer for your business is the document that controls.

What proof of upcoming work helps an industry review?

Bring whatever your trade already produces: a signed job pipeline for contractors, seasonal order history for retailers, a purchase order for manufacturers, or a booked schedule for appointment businesses. Upcoming work, documented, turns your cash-cycle description into evidence the review can weigh alongside your four recent bank statements.

How does my industry affect the documents I should gather first?

Every industry starts with the same file — a signed application and four recent, complete bank statements. Your trade then decides what goes on top: equipment priced with delivery, setup, and training for a purchase; the opening budget for an expansion; expected receipts for seasonal stock. Gather the trade document before you apply, not after you are asked.

Does my industry change the amount I can request?

Your industry shapes what the money is for and what evidence supports it, and that shapes a sensible request. The shared guidelines on this page start every industry at the same place; the amount that fits is the one your revenue, your statements, and your trade's own costs can carry together.

What if my business works in two industries at once?

Describe both, and lead with the one that produces most of your revenue. A shop that repairs and sells, or a contractor who also runs a supply counter, is common. Start from the industry guide closest to your main work, and name the second line of business in your application so the review reads your statements correctly.

Can a seasonal industry apply during its slow season?

Yes, and for many trades the slow season is when the plan should be made — equipment priced, crews hired, inventory ordered before demand returns. Four complete statement months let the review see your full cycle, including the strong months behind you and the season you are funding toward.

What revenue proof matters most for project-based industries?

Steady deposits across the four statement months, plus the record of upcoming work: signed contracts, booked jobs, or open purchase orders. Project income arrives in larger, less frequent payments, so the documents that show work already won are what turn a lumpy deposit pattern into a readable one.

What if there is no guide for my exact industry?

Use the closest guide as your starting point — the shared guidelines, documents, and review are the same — and describe your trade in your own words when you apply. This hub covers the industries Logic Advance funds most often; a niche trade is reviewed on its revenue and statements, not on whether its name appears on a list.

How do I find the funding guide for my trade from this page?

Start here and follow your industry: each guide is written for one trade, with that trade's costs, documents, and worked budget example. If your business spans two trades, read the guide for the one that drives most of your revenue first, then the product pages for the structure that fits your expense.

How do I turn my industry guide into a funding calendar?

Read the guide with a blank year open and mark three things: the months your trade spends ahead of its revenue, the documents the guide names for your trade, and the month before each heavy stretch, which is when the file should be gathered. This page publishes 29 industry guides because those heavy months land in different places for a retailer, a contractor, and a restaurant.

Which months belong on the calendar first?

The months where money goes out well before it comes back: seasonal stock ordered months ahead of the selling season, crews paid weeks ahead of a customer's payment, materials bought before an order ships. Your guide describes your trade's version of that gap; the calendar simply gives it dates, so the request is ready before the gap opens instead of during it.

What should be gathered a month ahead of each heavy stretch?

The evidence your trade lives by, on top of the shared file: a signed application and four recent, complete bank statements, starting at $25,000 in monthly business revenue on this page's guidelines. A contractor adds the record of upcoming work, a buyer adds the supplier quote, an expanding owner adds the opening budget, exactly as each industry guide names them.

How does planning the year ahead change the size of each request?

It spreads the year into planned requests instead of one emergency amount. A heavy month seen in November can be sized calmly from the guide's worked example and your own records; the same month discovered in the week it lands gets sized under pressure. Planned amounts also arrive one at a time, so each is judged against the cash cycle it serves.

What if my trade's heavy months move from year to year?

Mark them in pencil and review the calendar each quarter. Weather-driven trades, project-driven trades, and holiday-driven trades all shift; the calendar's job is not to predict perfectly but to keep the documents, the guidelines, and the conversation current, so a moved season finds a file that is weeks old instead of a search that starts from zero.

Can one calendar serve a business that works in two trades?

Yes, if it carries both trades' heavy months side by side, marked by which guide each came from. This page already advises owners whose business spans two trades to start with the guide for the trade that drives most of the revenue; the calendar adds the second trade's dates underneath, so neither season arrives unplanned.

Take the next step with Logic Advance

Have a funding purpose, an amount, and a timeline in mind? Start an application or speak with our team about the next steps for your business.

Business-purpose funding. Subject to underwriting, verification, and program availability.

These pages explain funding considerations and starting guidelines, not a funding offer. Product availability, amounts, costs, security requirements, and timing depend on the specific program and your business.