Five deposit patterns we see often.

The industry label is a starting point. The statements are the underwrite. Open a vertical if it sounds like your cash cycle — then apply if a review is useful.

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Materials staged on a Southwest trade jobsite

Restaurants

Inventory, payroll, the Tuesday after a holiday.

Construction

Materials and labor on someone else’s draw.

Healthcare

Staffing and equipment while payers lag.

Manufacturing

Materials, WIP, and buyer terms that lag the floor.

Transportation

Fuel and freight while settlement waits.

How industry pages are used

These pages describe patterns — not a promise that every restaurant, plant, or fleet funds. Soft inquiry to start. Typical frames: about six months in business, around $15,000 in monthly revenue, personal credit near 500+. Availability still depends on the entity, the state, and the capital source.