InstaFunders funds established US businesses in most industries, from medical and dental practices to contractors, restaurants, retailers, manufacturers and online sellers, with 12 months+ in business and $50,000+ in average monthly deposits. Your industry rarely decides whether you qualify, but it shapes how your revenue arrives, and that shapes the size of the advance and whether daily or weekly payments fit.
Why your industry matters to a merchant cash advance
An MCA is the purchase of part of your future receivables, so an underwriter's real question is how and when your money comes in. Three things change from one industry to the next:
- How revenue arrives. A restaurant batches card sales every night. A medical practice waits weeks for insurance payers. A manufacturer may get a handful of large checks on net-60 terms.
- Seasonality. HVAC peaks in summer and winter, retail in the fourth quarter, salons around holidays and weddings. A good advance is sized for your slow months, not your best one.
- Card versus ACH and check deposits. Card-heavy businesses show smooth daily deposits. Businesses paid by ACH or check show fewer, larger deposits, so the underwriter reads your receivables, often through an A/R aging report, alongside your bank statements.
Those patterns decide how much to take, whether weekly payments fit better than daily, and whether an MCA is the right tool at all.
Industry guides
Funding that bridges the gap while insurance claims are paid.
Read more → HealthcareDental practicesEquipment, operatories and staffing around insurance and patient-pay cycles.
Read more → RetailRetail storesStocking up for the holidays without draining your operating account.
Read more → TradesHVAC contractorsGetting ready for summer and winter peaks: units, techs and trucks.
Read more → TradesPlumbing companiesService calls, new-construction draws and the gap between them.
Read more → IndustrialManufacturingRaw materials up front, customer payment on net terms.
Read more → HospitalityRestaurantsDaily card sales, slow seasons and the walk-in that quit on a Friday.
Read more → TradesConstructionMobilization, payroll and materials ahead of the first progress payment.
Read more → AutomotiveAuto repair shopsLifts, scan tools and technicians, funded on your service revenue.
Read more → Personal careSalons and spasRenovations and equipment for a business paid card by card.
Read more → OnlineE-commerceInventory orders and ad spend between marketplace payouts.
Read more → DistributionWholesale and distributionThin margins, big orders and customers on net-30 to net-60.
Read more →Industries we don't fund
We don't fund businesses in these industries:
- Trucking and logistics
- Auto sales
- Nonprofit organizations
- Debt consolidation and credit repair
- Debt collection
- Cannabis
- Publicly traded companies
- Law firms
We also don't fund businesses located in Utah, New York and Connecticut, whatever the industry.
Don't see your industry?
These guides cover the businesses we see most often, not the full list. Many other industries qualify, such as professional services, cleaning companies, landscapers and fitness studios. If you're outside the restricted industries and states and meet the requirements, apply and an underwriter will look at your business on its own merits.
Frequently asked questions
Does my industry affect whether I qualify for a merchant cash advance?
Only if it's a restricted industry. Otherwise, industry shapes how an underwriter reads your deposits and sizes the advance; time in business, deposits, credit and existing advances decide whether you qualify.
Can a business that isn't paid by credit card get a merchant cash advance?
Yes. An MCA is based on your total business deposits, including ACH payments, checks and insurance reimbursements, not only card sales.
Which industries does InstaFunders not fund?
We don't fund trucking and logistics, auto sales, nonprofit organizations, debt consolidation and credit repair, debt collection, cannabis, publicly traded companies and law firms. We also don't fund businesses located in Utah, New York and Connecticut.
Is a seasonal business a problem for an MCA?
No, as long as the advance is sized for your slower months. Weekly payments are available in many cases for businesses whose revenue swings.