Industries we serve

Capital built for the businesses that keep things moving.

We look beyond a single credit score. Our AI-powered underwriting considers the revenue patterns and operating reality of businesses across the US.

Restaurants

Manage seasonal swings, inventory, payroll, and expansion with capital that follows your cash flow.

Cash-flow pressure

Payroll, food deliveries, and rent can land before the weekend rush is complete and before card batches settle. Seasonality can make that gap sharper around holidays or slower weeks.

Common uses

Common uses include food and beverage inventory, a payroll bridge, kitchen repairs, catering equipment, and seasonal marketing.

What qualification typically looks like

A partner may start with at least six months in business and a 500 credit score, then study daily card deposits, ticket volume, bank activity, and seasonality. Consistency between busy and slow periods helps put the request in context.

A common question

Can capital cover payroll before a busy weekend? It can be considered for payroll or inventory timing, but Avyron cannot promise approval. The capital partner sets the amount, remittance cadence, and terms after review.

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E-commerce

Fund inventory, marketing, and fulfillment when online demand moves faster than payouts.

Cash-flow pressure

Ad charges and supplier invoices may hit before marketplace payouts arrive, especially when a launch pulls demand forward. Returns and restocking can further delay usable cash.

Common uses

E-commerce businesses commonly fund purchase orders, paid media, packaging, third-party fulfillment, and returns or restocking.

What qualification typically looks like

The starting profile can include six months of operating history and a 500 credit score. Underwriting may then compare sales across storefronts and marketplaces with return rates, payout history, margins, and inventory turn.

A common question

Can funding arrive before a product launch? Timing depends on a complete file and partner review, so applying before the supplier or ad bill is due matters. Any offer would reflect the store’s sales pattern and the partner’s repayment structure.

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Construction

Bridge project costs, materials, and payroll while you wait for milestone payments.

Cash-flow pressure

Mobilization, materials, subcontractor draws, and weekly payroll go out before a progress invoice is paid. Retainage can keep part of earned revenue tied up after the work is complete.

Common uses

Contractors often fund materials, subcontractor draws, mobilization, equipment deposits, and project payroll.

What qualification typically looks like

Partners may weigh a minimum 500 credit score and six months in business alongside signed contracts, backlog, progress-billing cadence, retainage, and owner-payment timing. Recent deposits help distinguish booked work from cash already collected.

A common question

Will retainage be considered in the request? It can be reviewed with contracts, billing schedules, and deposit history, but retainage is not the same as cash on hand. Avyron does not approve projects or promise a funding result.

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Transportation

Keep trucks moving with support for repairs, fuel, hiring, and route growth.

Cash-flow pressure

Fuel cards, driver payroll, insurance, and repairs continue between loads and while brokers process freight paperwork. A slow-paying customer can stretch the gap after the trip is finished.

Common uses

Carriers commonly put capital toward fuel, tires, preventative maintenance, insurance, and driver recruiting or payroll.

What qualification typically looks like

A carrier with at least six months in business and a 500 credit score can be considered, with the review focused on deposited freight receipts, route density, equipment age, fuel cost, and maintenance history. Broker concentration and insurance status may also affect the file.

A common question

Can financing cover a truck repair between loads? That use may be reviewed, but freight receipts, insurance, and operating history still matter. The final structure comes from a capital partner, not Avyron as a lender.

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Medical Practices

Invest in staff, technology, and patient care while revenue continues to build.

Cash-flow pressure

Clinicians, front-office staff, software, and supplies must be paid while claims move through payer edits, adjudication, and remittance. A denial or high-deductible balance can extend the receivables cycle.

Common uses

Practices may fund clinical equipment, EHR or practice-management software, staff payroll, buildout, and medical supplies.

What qualification typically looks like

The stated starting points are a 500 credit score and six months in business. A capital partner may then examine payer mix, average claim cycle, aging receivables, recurring collections, and practice tenure.

A common question

Can a practice use capital while waiting on payer reimbursement? It can be considered for working capital or equipment, but claim timing and receivable quality do not guarantee an offer. A partner sets any repayment cadence after reviewing the practice.

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Retail

Stock the right products, refresh your space, and make the most of busy seasons.

Cash-flow pressure

A retailer pays for seasonal stock weeks or months before the selling window, then sales arrive unevenly across the season. Slow-moving units turn shelf space into cash tied up in inventory.

Common uses

Retailers often fund seasonal inventory, purchase orders, fixtures, point-of-sale hardware, and local promotions.

What qualification typically looks like

Six months in business and a 500 credit score may satisfy the starting screen. The deeper review can center on purchase orders, point-of-sale deposits, sell-through by category, gross margin, inventory turn, and the timing of the requested buy.

A common question

What if seasonal inventory sells more slowly than planned? Slower sell-through can change the cash-flow picture, so partners will want to see purchase economics and inventory history before deciding. Funding is not a guarantee against unsold stock or a specific sales outcome.

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Professional Services

Cover team growth and operating costs while client invoices move through the cycle.

Cash-flow pressure

Payroll and software renewals are due on schedule even when a client invoice waits on approval, a milestone, or net terms. Concentration in one large account can make one delayed payment meaningful.

Common uses

Firms may use capital for new hires or contractors, payroll, software seats, business development, and office costs.

What qualification typically looks like

The starting profile includes six months in business and a 500 credit score. A partner can then look at invoice cycles, recurring versus project revenue, client concentration, contract value, and collections history.

A common question

Can a firm qualify on signed contracts before billing? Contracts can support the picture, but partners generally still need evidence of collections and operating revenue. An agreement to work is not an automatic funding decision.

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Manufacturing

Support materials, equipment, and production runs without slowing a healthy order book.

Cash-flow pressure

Resins, metals, components, labor, and machine time are consumed before finished goods ship and customer invoices clear. A long production run can make the working-capital gap larger.

Common uses

Manufacturers commonly fund raw materials, tooling, machine maintenance, production labor, and capacity equipment.

What qualification typically looks like

A partner can begin with the 500 credit score and six-month minimum, then test the request against order flow, gross margins, production-cycle length, equipment condition, and customer payment history. Capacity and tooling needs should fit the production plan.

A common question

Can capital support a large purchase order? The order may be part of the review, along with margins, production timing, equipment, and customer payment terms. A partner may structure funding differently for materials, tooling, or machinery.

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A practical starting point

Your industry is unique. Your funding should be too.

Tell us what is next for your business. We will look at your revenue, goals, and timing to help identify the strongest fit.

Talk with a funding advisor