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.
More industries we cover
- Agriculture Business Funding for Farms, Growers and Ranches
- Bakery Funding for Ovens, Wholesale Accounts and Holiday Rushes
- Bar and Nightclub Funding for Inventory, Buildouts and Slow Weeks
- Beauty Salon Funding for Build-Outs, Product and Growth
- Brewery Funding for Equipment, Inventory and Growth
- Business Funding for Veteran Business Owners
- Catering Business Funding for Event Costs, Vehicles and Kitchen Gear
- Chiropractor Funding for Equipment, Staff and a New Office
- Cleaning and Janitorial Business Funding for New Contracts and Payroll
- Clothing Boutique Funding for Seasonal Buys, Markdowns and Growth
- Coffee Shop Funding for Equipment, Buildouts and a Second Location
- Commercial Vehicle Financing for Vans, Trucks and Fleets
- Convenience Store Funding for Inventory, Coolers and Store Upgrades
- Daycare and Child Care Funding for Payroll, Space and Growth
- Dental Practice Funding for Equipment, Staff and Expansion
- Dump Truck Financing for Owner-Operators and Small Fleets
- Electrician Business Funding for Trucks, Materials and Crews
- Event Venue Funding for Upgrades, Furniture and Off-Season Cash
- Farm Equipment Financing for Tractors, Implements and More
- Florist Funding for Holiday Peaks, Coolers and Delivery Vans
- Food Truck Funding for the Truck, the Kitchen and the Season
- Funding for Accounting and Bookkeeping Firms
- Funding for Architecture and Engineering Firms
- Funding for Child Care Centers
- Funding for Consulting Firms
- Funding for Courier and Last-Mile Delivery Companies
- Funding for Craft Distilleries
- Funding for Fitness Studios: Buildout, Equipment and Second Locations
- Funding for Flooring Contractors
- Funding for Franchise Owners
- Funding for Government Contractors
- Funding for Hospitality Businesses
- Funding for IT Services Companies and MSPs
- Funding for Importers and Exporters
- Funding for Independent Insurance Agencies
- Funding for Logistics and Freight Brokerages
- Funding for Marketing Agencies
- Funding for Minority-Owned Businesses: Programs and Options
- Funding for Mobile Businesses
- Funding for Moving Companies
- Funding for Oil and Gas Service Companies
- Funding for Painting Contractors
- Funding for Photography and Video Businesses
- Funding for Pool Contractors
- Funding for Real Estate Agents Between Closings
- Funding for Staffing Agencies
- Funding for Tech Startups With Revenue
- Funding for Tourism Businesses
- Funding for Towing Companies
- Funding for Travel Agencies and Tour Operators
- Funding for Tutoring Centers and Private Education Businesses
- Funding for Wineries and Vineyards
- Funding for Women-Owned Businesses: Options and Resources
- Funding for automotive dealers
- Funding for barbershops
- Funding for car washes
- Funding for cosmetology businesses
- Funding for med spas
- Funding for nail salons
- Funding for spas and wellness businesses
- Funeral Home Funding for Vehicles, Facilities and Working Capital
- Furniture Store Funding for Showroom Inventory, Warehouses and Trucks
- Gas Station and C-Store Funding for Inventory and Upgrades
- Grocery Store Funding for Inventory, Refrigeration and Remodels
- Gym Equipment Financing for Studios, Clubs and Trainers
- HVAC Contractor Funding for Peak Season, Crews and Inventory
- Healthcare Business Funding for Clinics, Labs and Care Providers
- Heavy Equipment Financing for Excavators, Loaders and Cranes
- Home Health Care Agency Funding for Payroll Gaps and Growth
- Hotel and Motel Funding for Renovations, Repairs and Slow Seasons
- Jewelry Store Funding for Inventory, Repairs and Holiday Stock
- Landscaping Business Funding for Equipment and Winter Gaps
- Laundromat Funding for Machines, Remodels and Repairs
- Law Firm Funding for Case Costs, Payroll and Growth
- Liquor Store Funding for Inventory, Coolers and Holiday Stocking
- Martial Arts School Funding for Mats, Buildout and Growth
- Medical Equipment Financing for Practices, Clinics and Labs
- Medical Practice Funding for Cash Flow, Staff and Equipment
- Optometry Practice Funding for Exam Equipment, Frames and New Locations
- Pet Grooming Business Funding for Equipment, Mobile Vans and Salon Growth
- Pharmacy Funding for Inventory, Payroll and Growth
- Physical Therapy Practice Funding for Reimbursement Gaps and Growth
- Plumbing Company Funding for Vans, Equipment and New Technicians
- Print Shop and Sign Company Funding for Equipment and Materials
- Restaurant Equipment Financing for Kitchens and Dining Rooms
- Restaurant Funding: Cover Costs, Equip the Kitchen, Grow
- Roofing Contractor Funding for Materials, Crews and Claims Delays
- Security Company Funding for Payroll, Vehicles and Contracts
- Semi Truck Financing: Costs, Restrictions and Payback
- Senior Care Business Funding for Agencies and Residences
- Solar Installer Funding for Inventory, Crews and Project Gaps
- Trucking Business Funding: Cash Flow, Costs and Restrictions
- Veterinary Clinic Funding for Diagnostic Equipment, Staff and Growth
- Yoga Studio Funding for Space, Teachers and Slow Months
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.
Updated September 14, 2026 · Roifunder Funding Team