84 industry-specific funding guides
Your business has its own cash-flow pressures.
Find the guide that matches how you earn, spend and collect. Each covers the costs that create a funding gap, structures to compare, documents to prepare and a worked budgeting example.
CBL is a financing marketplace, not a lender. These guides do not establish eligibility or a provider’s acceptance of every sector. Institutional, regulated and property borrowers may need a specialist route.
84 of 84 industry guides shown
Appointment-based businesses
Animal care & specialty services
Grooming stations, boarding improvements and staffing for booked demand.
Read the funding guideAuto repair, parts & car washes
Lifts, diagnostics, wash equipment, parts purchases and payroll timing gaps.
Read the funding guideHair salons & beauty businesses
Chairs, wash stations, stock, booking technology and staged renovations.
Read the funding guideHealthcare & medical practices
Clinical equipment, software, fit-outs and a documented receivable timing gap.
Read the funding guidePersonal trainers & coaching studios
Training equipment, booking software and a measured studio operating budget.
Read the funding guideBusiness & professional services
Real estate brokerages & appraisal firms
Business software, staffing, office expenses and documented appraisal receivables.
Read the funding guideIndependent real estate agents & appraisers
Business marketing, professional tools and a clearly bounded operating gap.
Read the funding guideAdvertising & marketing agencies
Delivery payroll, business software and a documented client-invoice timing gap.
Read the funding guideIT, computer & data services
Implementation payroll, business hardware and documented software or cloud commitments.
Read the funding guideManagement & technical consultants
Delivery payroll, specialist software and a bounded receivable timing gap.
Read the funding guideStaffing & employment agencies
Temporary payroll timing gaps and documented recruitment delivery costs.
Read the funding guideFacilities management companies
Site mobilization, cleaning equipment, supplies and contracted payroll.
Read the funding guideLaundry, cleaning & linen businesses
Washers, dryers, route equipment, supplies and contracted payroll gaps.
Read the funding guideOther service businesses
Documented service delivery costs, business equipment and a bounded operating gap.
Read the funding guideRepair & maintenance businesses
Diagnostic equipment, parts purchases, service tools and payroll timing gaps.
Read the funding guideAccounting, tax & audit firms
Seasonal delivery payroll, practice software and documented client receivable gaps.
Read the funding guideTravel agencies & tour businesses
Agency systems, staffing and documented operating expenses supported by earned fees.
Read the funding guideCommunity, education & public organizations
Nonprofits, religious & public organizations
Eligible operating equipment or a documented timing gap, subject to borrowing authority.
Read the funding guideMuseums, zoos & historic sites
Eligible visitor equipment and documented operating or exhibit-related costs.
Read the funding guideSchools, colleges & training providers
Eligible teaching equipment and documented operating costs subject to borrower review.
Read the funding guideConstruction & trade contractors
Carpentry, flooring & roofing contractors
Material deposits, tools, crew payroll and approved job mobilization.
Read the funding guideIndustrial contractors
Mobilization, specialist tools, payroll and equipment rentals for signed work.
Read the funding guideResidential contractors
Materials, trade deposits, payroll and tools for contracted residential jobs.
Read the funding guideHeavy construction & infrastructure contractors
Equipment, mobilization, fuel and payroll tied to awarded work.
Read the funding guideSpecialty trade contractors
Tools, material purchases, crew costs and job mobilization.
Read the funding guidePlumbing, HVAC & electrical contractors
Service vehicles, diagnostic tools, installation equipment and parts inventory.
Read the funding guideFood service & accommodation
Dine-in restaurants
Kitchen equipment, food stock, staged renovations and seasonal operating needs.
Read the funding guideTakeout & delivery restaurants
Kitchen equipment, packaging, order technology and a measured operating buffer.
Read the funding guideHotels & accommodation businesses
Room equipment, staged refurbishments, laundry systems and seasonal operating needs.
Read the funding guideManufacturing & production
Jewellery manufacturers & wholesalers
Documented material purchases, production tools and eligible trade receivables.
Read the funding guideAircraft & ship manufacturers
Production equipment, confirmed component orders and milestone-related operating costs.
Read the funding guideAutomotive manufacturers & suppliers
Machines, tooling owned by the business and materials for released orders.
Read the funding guidePrinting & book-production businesses
Press or finishing equipment, substrate purchases and accepted-order production costs.
Read the funding guideDefence manufacturers & suppliers
Eligible production equipment and operating costs for confirmed lawful contracts.
Read the funding guideManufacturers & processors
Production equipment, raw materials, installation and eligible customer receivables.
Read the funding guideManufactured-home builders & dealers
Materials, production equipment and documented delivery preparation.
Read the funding guideMedia & publishing
Property & asset-owning entities
Operative builders & property developers
Documented operating overhead or a specialist project-finance discussion.
Read the funding guideHolding companies, investment entities & trusts
A clearly documented business purpose requiring specialist borrower review.
Read the funding guideMobile-home site operators
Eligible operating equipment and documented site improvements requiring lender review.
Read the funding guideCommercial property operators
Documented operating equipment and tenant-related business improvements.
Read the funding guideResidential rental property operators
Eligible operating equipment and staged maintenance subject to borrower review.
Read the funding guideOther real estate businesses
A defined operating business purpose rather than an unspecified property investment.
Read the funding guideRailroad property operators
A specialist review of documented operating or property-related business costs.
Read the funding guideRegulated & professional businesses
Banking & credit businesses
Operating systems, cybersecurity and documented business overhead.
Read the funding guideInvestment advisers & insurance brokerages
Business software, hiring, office costs and a separately reviewed book acquisition.
Read the funding guideCollection agencies & adjustment firms
Operating software, staffing and eligible service-fee receivables.
Read the funding guideCredit-reporting businesses
Business systems, cybersecurity and documented operating expansion costs.
Read the funding guideLaw firms & legal practices
Practice systems, operating overhead and appropriately reviewed fee-receivable gaps.
Read the funding guideRental, warehousing & asset services
Resources & seasonal production
Agriculture, forestry, fishing & farming
Seasonal inputs, production equipment and repairs before the earning season.
Read the funding guideLogging contractors
Essential equipment repairs, fuel and mobilization under confirmed work.
Read the funding guideMining operators & service businesses
Documented operating equipment or contract-backed service costs, subject to sector review.
Read the funding guideRetail, dealerships & distribution
Motorcycle dealerships
Seasonal parts inventory, workshop equipment and showroom operating cash.
Read the funding guideNew-car dealerships
Service equipment, dealership technology and operating gaps between reimbursements.
Read the funding guideUsed-car dealerships
Reconditioning, diagnostic equipment and carefully budgeted inventory turnover.
Read the funding guideSpecialty vehicle dealerships
Delivery preparation, service tools and stock-related operating expenses.
Read the funding guideBuilding-material & garden retailers
Seasonal inventory, handling equipment and trade-account timing gaps.
Read the funding guideFood, grocery & liquor retailers
Refrigeration, essential stock, store equipment and a seasonal purchasing gap.
Read the funding guideFuel-oil & LPG dealers
Delivery equipment, seasonal fuel purchases and customer-account timing gaps.
Read the funding guideGas stations & convenience fuel retailers
Forecourt equipment, convenience inventory and documented operating improvements.
Read the funding guideHardware stores
High-turn inventory, POS systems, shelving and seasonal purchasing.
Read the funding guideOther essential-goods retailers
Core stock replenishment, handling equipment and store improvements.
Read the funding guideE-commerce businesses
Inventory, fulfilment equipment and measured acquisition costs for proven products.
Read the funding guideIn-store retailers
Targeted inventory, POS systems, store equipment and phased improvements.
Read the funding guideWholesale distributors
Stock purchases, handling equipment and eligible business-customer receivables.
Read the funding guideSeasonal & recreation businesses
Lawn care & landscaping services
Mowers, trailers, material deposits and seasonal crew preparation.
Read the funding guideSports clubs & racing businesses
Business equipment and documented operating costs supported by contracted income.
Read the funding guideRecreation businesses
Recreation equipment, site preparation and staffing tied to confirmed demand.
Read the funding guideMarinas
Marine service equipment, dock-related operating preparation and seasonal staffing.
Read the funding guideTransportation & logistics
Bus, taxi & ferry operators
Eligible fleet equipment, maintenance and contract-related operating expenses.
Read the funding guideCourier & last-mile delivery businesses
Delivery vehicles, route equipment and accepted-invoice operating gaps.
Read the funding guideCrude petroleum transport businesses
Eligible transport equipment and operating costs for confirmed lawful movements.
Read the funding guideFreight & logistics businesses
Documented shipment operating gaps, handling equipment and eligible receivables.
Read the funding guideOther transportation businesses
Defined transport equipment and documented contract-related operating expenses.
Read the funding guideRail, air & sea transport operators
A specialist review of operating equipment and confirmed-contract cash requirements.
Read the funding guideTrucking companies & owner-operators
Trucks, trailers, repairs, fuel and eligible completed-load receivables.
Read the funding guideUtilities, communications & infrastructure
Telecom, radio & television businesses
Network equipment, broadcast systems and contract-backed operating expenses.
Read the funding guideTransport terminal operators
Handling equipment, systems and documented contract mobilization costs.
Read the funding guideEnergy & water distribution businesses
A specialist review of eligible equipment and documented operating projects.
Read the funding guideOther utility businesses
Defined equipment and operating costs subject to borrower and sector review.
Read the funding guideWaste, refuse & sewerage businesses
Eligible collection equipment, route systems and documented contract operating costs.
Read the funding guideMore CBL business guides
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