Business Types We Lend To
Revolving Line of Credit — Built for Main Street
FundNow Capital funds a wide array of approved industries with a flexible business line of credit up to $750,000. Review the approved list, minimum criteria, and restricted business types below.
Approved Industries
We provide industry-leading loan products to businesses in the following approved categories.
- Accountant
- Acute Care Facility
- Aerospace
- Assisted Living Facility
- Alternative Energy Production
- Architect
- Architectural Services
- Auditory Center
- Automotive Parts Store
- Automotive Repair
- Automotive Services
- Bakery
- Bar/Tavern
- Barber Shop
- Beauty Salon
- Bed & Breakfast
- Bicycle Shop
- Book Store
- Bottling & Distribution
- Bowling Alley
- Brewery
- Cafe in Fitness Center
- Cancer Radiology Center
- Cancer Treatment Facility
- Candy Store
- Car Wash
- Caterer
- Cheese Store
- Chemical & Related Manufacturing
- Chiropractor
- Cigar Store
- Clinic
- Coffee Shop
- Coin-Operated Laundries
- Commercial Inspection Services
- Commercial Janitorial Services
- Commercial Landscaping Services
- Convenience Store (no gas)
- Dance Studio
- Day Care Center
- Day Spa
- Deli
- Dental Office
- Dermatologist
- Diagnostic Imaging Center
- Dine-In Restaurant
- Discount Store
- Doctor's Office
- Donut Shop
- Dry Cleaner
- Electrical Contractor
- Electronics Store
- Emergency Care Facility
- Equipment Rental
- Ethnic Food Store
- Eyewear Store
- Family Practice
- Fast Casual Restaurant
- Fast Food Restaurant
- Fitness Center
- Florist
- Food Gift Basket Store
- Food Manufacturing
- Food Processing & Sales
- Funeral Home
- Gift Store
- Gourmet Food Store
- Gourmet Popcorn Store
- Grocery Store
- Ham Store
- Hardware Store
- Healthcare Professional
- Home Healthcare
- Hospital
- Hotel
- HVAC Contractors
- Ice Cream/Yogurt Store
- IT Services
- Janitorial Services
- Jewelry Store
- Landscaping Services
- Learning Center
- Locksmith
- Meat Market/Butcher
- Medical Equipment
- Medical Practice
- Medical Spa
- Medical Supply Store
- Music Store
- Nail Salon
- Nursing Home
- Nutritional & Dietary Supplies
- Optical/Vision Store
- Orthodontist
- Periodontist
- Pet Store
- Pharmaceuticals & Health Products
- Pharmacy
- Photo Studio
- Physical Rehabilitation
- Plumbing Contractors
- Prepackaged Meals
- Preschool
- Private School
- Radiology Center
- Restaurant
- Retail Store
- Roofing Contractor
- Salon
- Sandwich Shop
- Seafood Store
- Shoe Store
- Specialty Food Store
- Sporting Goods Store
- Sushi Restaurant
- Tanning Salon
- Toy Store
- Urgent Care
- Veterinary Clinic
- Wine & Spirits Store
- Wine Store
- Winery
- Yoga Studio
Minimum Underwriting Criteria
Underwriting standards for our approved-industry line of credit.
- Must be a brick-and-mortar business (no home-based)
- Open and operating for at least 30 days
- Minimum $200,000 annual sales ($17,000 monthly)
- Guarantor with personal Equifax credit score of 575 or higher
- Client may have a maximum of 2 outstanding cash advances
- Merchants may qualify for up to $500,000 (single-entity)
- Merchants may qualify for up to $750,000 (multi-entities)
- Loan repayment terms from 12 to 36 months
- No review of tax returns or financial statements required
Restricted Business Types
We do not lend to the following industries under this program. If your business isn't listed here, reach out — we may still have a fit through one of our other loan products.
- Adult Entertainment/Materials
- Advertising/Public Relations
- Agriculture/Agricultural Services
- All Other Traveler Accommodation
- Amusement and Recreation Services
- Appraiser & Real Estate Consultants
- Attorney or Law Firm
- ATV/Golf Cart Dealer
- Auto Dealers (Car Sales)
- Auto or Aircraft Rental/Charters
- Bail Bonding
- Banks, Credit Unions, Non-Bank Lenders
- Blood and Organ Banks
- Boat Dealers - New & Used
- Builders – Residential or Commercial
- Building Equipment
- Building Inspection Services
- Building Materials
- Building Services
- Business Services
- Cable & Satellite TV Production
- Call Centers & Answering Services
- Cannabis/THC/CBD Products
- Cell Phone Stores
- Clothing Manufacturing
- Coin & Precious Metal Sales
- Collection Agencies & Debt Buyers
- Construction
- Construction/Sub-Contractors
- Consulting Firms
- Convenience Stores
- Credit Protection, Restoration, Repair
- Dairy
- Debt and Tax Reduction Services
- Direct Mailing & Fulfillment Houses
- Discount Travel Clubs / Subscriptions
- Drug Abuse Rehabilitation Centers
- Electrical Apparatus & Equipment Wholesalers
- Energy & Natural Resources
- Event Planner
- Factoring & Purchase Order Financing
- Family Planning Services
- Farm and Garden Machinery Wholesalers
- Farm Supplies Merchant Wholesalers
- Fastener, Button, Needle & Pin Mfg
- Financial Transaction Processing
- Firearm/Ammo/Weapon Sales
- Flea Markets
- Florists' Supplies Wholesalers
- For-Profit Education
- Fundraising Services
- Furniture Store
- Gas & Oil
- Gas Station
- General Contractors
- General Rental Centers
- Government Agencies
- Gyms / Personal Trainers
- Hardware Merchant Wholesalers
- Home Improvement/Renovation Services
- Home-based Businesses
- Horoscope / Fortune Telling
- Industrial Machinery Wholesalers
- Industrial Supplies Wholesalers
- Insurance & Related Services
- Investment Opportunities & Advice
- Jewelry Stores
- Jewelry Manufacturing
- Lawn and Garden Services
- Logging, Timber & Paper Mills
- Lotteries/Raffles/Gambling
- Marinas
- Marketing / Advertising Agencies
- Measuring & Pumping Equipment Mfg
- Metal Service Centers & Wholesalers
- Military Vehicle Manufacturing
- Miscellaneous General Merchandise Stores
- Mobile Food Services
- Money Service Businesses
- Motion Picture & Video Production
- Motorcycle Dealers – New & Used
- Movie Theater/Playhouse
- Natural Gas Pipelines
- Newspaper, Magazine, Book Publishing
- Online Auctions
- Chemical & Allied Products Wholesalers
- Electronic Parts & Equipment Wholesalers
- Misc. Durable Goods Wholesalers
- Misc. Nondurable Goods Wholesalers
- Professional Equipment & Supplies Wholesalers
- Other Transportation
- Other Transportation Equipment Mfg
- Other Transportation Equipment Wholesale
- Pain Pill/Pain Doctors
- Paint and Wallpaper Stores
- Paint, Varnish & Supplies Wholesalers
- Parking Lots & Garages
- Pawn Shops/Consignment
- Payroll Companies
- Performance Arts
- Personal Services
- Pest Control
- Pet Grooming/Boarding
- Photo Processing/One-Hour Photo
- Piece Goods, Notions & Dry Goods Wholesalers
- Plastics Pipe & Pipe Fitting Mfg
- Podcast Producer
- Podiatrists (Foot Doctors)
- Poultry Processing
- Private Investigators
- Professional Sports Arena
- Property Managers
- Real Estate Brokers or Agencies
- Recruiting, Temporary Help & Staffing
- Religious Organizations
- Research and Development
- Residential Rehabilitation
- Residential Cleaning Services
- Rooming and Boarding Houses
- Securities & Commodities Brokers
- Security Guard Services
- Sewage Treatment Facilities
- Showcase, Partition, Shelving & Locker Mfg
- Social Advocacy/Social Services
- Tattoo / Piercing Shops
- Tax Preparation Services
- Telecom Services & Equipment
- Telemarketing & Lead Generation
- Testing Laboratories
- Textiles
- Tires
- Tractor and Lawn Mower Sales
- Travel Agencies & Tour Operators
- Trucking
- TV Station Services
- Used Merchandise Stores
Apply for a Business Line of Credit
Approved-industry businesses can get pre-qualified in minutes.