Same formulas, different inputs
Every payback question comes back to monthly gain versus monthly payment, and total gain versus total cost. What differs by industry is where the gain comes from and when the cash arrives. The industry pages below show the specific inputs, equipment and cash-flow patterns for each type of business, with clearly illustrative numbers.
- Gain: added gross profit, hours saved, outsourcing avoided, rent avoided
- Timing: daily card sales, marketplace payouts, progress payments, net-terms invoices
- Risk: seasonality, slow-paying customers, capacity you cannot fill
Don't see your industry?
Roifunder works with businesses across many more industries than those listed here. The core worksheets apply to any business: estimate the gain, calculate the true cost of an offer, convert payments to a monthly figure and test them against a slow month. Start with the guides below, then apply.
Useful starting points: equipment payback period, how much funding your business can afford and the revenue-drop stress test. When you are ready, apply once.
Frequently asked questions
Does Roifunder fund businesses outside these industries?
Yes. These pages cover industries where we have written detailed payback examples, but businesses in many other industries apply. Requirements vary by product and funder; many look at time in business, monthly revenue and credit. The same worksheets for true cost and payback work for any type of business.
Why do payment schedules matter so much by industry?
Because industries get paid differently. A shop with daily card deposits can often carry daily payments, while a contractor paid monthly by a general contractor or a firm collecting on net terms may struggle with them. Matching the payment schedule to your deposits prevents cash strain even when the total cost is reasonable.
Are the numbers on industry pages typical for my business?
No. Every number on these pages is an illustrative example chosen to show how the math works. It is not a quote, a typical rate or a forecast of results. Replace each example figure with your own records before making a decision.
Bring your own numbers
Apply once to see funding options for your industry from our funding partners.
Updated September 14, 2026 · Roifunder Funding Team