WithFunded › Industry Financing
Small Business Financing by Industry
Different industries lean on different financing. Here's the product mix that typically fits each, and what the cost looks like — drawn from the patterns in our 2026 SMB Financing Cost Report.
A WithFunded guide · Rates as of June 2026 · Updated quarterly
Quick facts
- Covered here
- Restaurants, construction, trucking, medical/dental, retail, e-commerce, manufacturing, farms
- How to use this
- Find your industry, see the typical product fit, then get matched
- Funding speed
- Varies by product, from 24–48 hours to weeks
- Best next step
- The 2-minute quiz routes you to the right product
Typical financing by industry
| Industry | Common products | What the math looks like |
|---|---|---|
| Restaurants & food service | Working capital, equipment, LOC | A $50,000 equipment purchase ≈ $1,567–$2,123/mo over 36 mo. Among the top SBA 7(a) volume industries in 2025. |
| Construction & contractors | LOC, equipment financing | Top SBA 7(a) volume industry in 2025. A line of credit covers progress-billing gaps; you pay interest only on what you draw. |
| Trucking & logistics | Equipment financing, factoring | Factoring advances on freight invoices price as a fee on invoice value, not an APR — compare total payback. |
| Medical & dental practices | SBA 7(a), term loans, equipment | Among the fastest-growing SBA 7(a) industries in 2025. A $250,000 buildout ≈ $5,069–$8,088/mo over 60 mo. |
| Retail & e-commerce | LOC, inventory financing, working capital | Inventory turns decide whether a draw-as-needed line beats a fixed term loan. |
| Manufacturing | Equipment financing, SBA 504, term loans | SBA 504's ≈5.6%–6.0% CDC rates are typically the cheapest route for heavy equipment and facilities. |
| Farms & agriculture | Equipment financing, term loans, USDA/SBA | Seasonal revenue argues for annual-cycle terms; equipment serves as collateral. |
For the full data behind these patterns — rate ranges, payment tables, approval reality, and the WithFunded SMB Financing Cost Index — see the 2026 SMB Financing Cost Report.
Frequently asked questions
- Which loan is best for a restaurant?
- Restaurants commonly use working capital for short-term gaps, equipment financing for kitchen build-outs, and lines of credit for ongoing flexibility. The right fit depends on whether the need is one-time or recurring.
- What financing do trucking companies use?
- Equipment financing for trucks and trailers, and invoice factoring to get paid on freight invoices without waiting 30–90 days. Factoring is priced as a fee on invoice value.
- What's the best loan for a medical or dental practice?
- Established practices often qualify for SBA 7(a) or term loans for build-outs and acquisitions, plus equipment financing for devices. Health care was among the fastest-growing SBA 7(a) industries in 2025.
- Does my industry change what I qualify for?
- It influences the typical product fit and sometimes the terms, but qualification still rests on revenue, time in business, and credit. The 2-minute quiz matches you regardless of industry.
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Industry patterns and payment examples draw on the WithFunded 2026 SMB Financing Cost Report and SBA FY2025 lending data. Payment figures are WithFunded calculations at a representative 8%–30% APR band.
Disclaimer. WithFunded and Big Think Capital are a financing marketplace; we are not the direct lender and do not guarantee funding, approval, rates, or terms. Everything on this page is a representative example only — not an offer or a commitment to lend, and not financial advice. Actual rates, fees, payments, and terms are set by the funding lender and depend on your business, credit, and the product. Where required by state law, the lender provides cost-of-financing disclosures before any agreement is signed.