Automotive
Support for dealerships, repair facilities, specialty automotive businesses and related operators.
- Shop equipment and technology
- Inventory and reconditioning
- Working capital and expansion
Industry-specific business financing
Business Financing by Industry for Canadian Companies
Seasonality, equipment requirements, margins, inventory cycles, staffing, project timing and receivables can all change what the right financing structure looks like. Fund That starts with the economics of your business—not a one-size-fits-all assumption.
Tell us how your business earns revenue, what you want to fund and when you need it. We use that context to explore suitable commercial financing options across our lender relationships.
Industry-awareWe look at how your business actually operates.
Multiple funding needsEquipment, vehicles, inventory, cash flow and growth.
200+ relationshipsAccess to a broad commercial lending network.
Industries we work with
Different businesses need capital for different reasons.
The industry matters because it influences how revenue is earned, when expenses arrive and what assets or working capital keep the business moving.
Construction & Trades
Financing that recognizes project timing, equipment dependency and variable receivable cycles.
- Tools, vehicles and machinery
- Payroll before project payment
- Growth and additional capacity
Transportation
Commercial financing for businesses where keeping vehicles operating is critical to revenue.
- Fleet additions and replacements
- Repairs and maintenance
- Fuel, insurance and operating cash flow
Retail
Capital for inventory-heavy businesses managing seasonal demand and changing customer traffic.
- Seasonal inventory purchases
- Renovations and new locations
- Marketing and supplier payments
Restaurants & Hospitality
Support for businesses balancing equipment, staffing, improvements and seasonal sales patterns.
- Kitchen and business equipment
- Leasehold improvements
- Inventory and staffing needs
E-commerce
Flexible capital for digital-first businesses investing ahead of demand and fulfillment cycles.
- Inventory and supplier orders
- Advertising and customer acquisition
- Fulfillment and growth initiatives
Manufacturing
Financing for businesses that need machinery, materials and production capacity to deliver orders.
- Machinery and production assets
- Raw materials and inventory
- Facility and capacity expansion
Professional Services
Capital to bridge receivable timing and invest in people, technology and business development.
- Hiring and payroll
- Software and technology
- Marketing and office improvements
Healthcare & Clinics
Commercial financing for practices investing in patient capacity, specialized assets and growth.
- Specialized equipment
- Renovations and technology
- Practice expansion
Other Canadian Businesses
Your business does not have to fit neatly into one category. Explain how you operate and what you need to fund.
- Business-specific funding goals
- Asset or working-capital needs
- Expansion and operating requirements
Why industry context matters
The same dollar can solve a very different business problem.
A contractor may need equipment before a job starts. A retailer may need inventory before peak season. A transportation company may need a repair completed before the next route. A service firm may need payroll before receivables arrive.
That is why we look beyond the requested amount. Understanding your revenue model, operating cycle and purpose of funds can help determine which financing structures are worth exploring.
01
Revenue model
How and when the business earns money.
02
Timing of expenses
When payroll, suppliers and other obligations come due.
03
Asset requirements
Equipment or vehicles the business depends on to operate.
04
Seasonality & receivables
When cash typically enters the business compared with expenses.
Common funding purposes
What Canadian businesses commonly use financing for.
The right product depends on the purpose, amount, business profile and provider criteria. These are some of the needs we regularly help businesses explore.
Equipment & machinery
Acquire productive assets without tying up all available operating cash.
Commercial vehicles
Add, replace or upgrade vehicles that support revenue-producing operations.
Supplier purchases
Prepare for demand, larger orders or seasonal purchasing cycles.
Working capital
Support payroll, suppliers, cash-flow timing and short-term operating needs.
Expansion & locations
Increase capacity, renovate or prepare a new location for operation.
Hiring & payroll timing
Build the team before new revenue or receivables have fully caught up.
Repairs & maintenance
Address business-critical repairs that cannot reasonably wait.
Technology & business systems
Invest in software, hardware and systems that improve operations.
How Fund That works
Start with the business. Then explore the financing.
We use your industry, purpose of funds and business profile to help organize the request and explore suitable financing channels.
- 01
Tell us about your business
Share your industry, time in business, location and how the company earns revenue.
- 02
Explain what you want to fund
Let us know the approximate amount, purpose and timing of the request.
- 03
We review suitable options
We consider the request against available lender relationships and product types.
- 04
Move forward with the right fit
If an option makes sense, we help coordinate the next steps with the applicable provider.
Prepare your request
Clear business information helps move the conversation forward.
You do not need to have every document ready before speaking with us, but a clear picture of the business and funding goal makes the first review more useful.
Helpful information to have available
- What the business does and how revenue is earned
- Approximate funding amount and intended use
- Time in business and ownership details
- Recent revenue or business bank activity
- Existing business financing obligations
- Financial statements or other supporting information, if available
Documentation requirements vary by provider, financing type and the circumstances of the application.
FAQ
Questions businesses often ask about industry financing.
Does Fund That work with every industry?
We work with many types of Canadian businesses, but available financing depends on the industry, business profile, intended use of funds and provider criteria. Tell us what your business does and we can review whether suitable options may be available.
Can newer businesses apply?
Yes, newer businesses can submit a request. Some providers require a minimum time in business or operating history, while others may consider different factors. Availability depends on the specific application.
Can I request equipment financing and working capital at the same time?
You can explain all of your funding needs in the application. Depending on the circumstances, different needs may be addressed through different products or providers.
What if my business is seasonal?
Seasonality is an important part of the financing review. Explain when your busy and slower periods occur, when major expenses are paid and how cash flow normally moves through the business.
Do you work with service businesses as well as asset-heavy businesses?
Yes. Financing needs are not limited to businesses that own heavy equipment. Professional services and other service businesses may need capital for payroll, technology, marketing, expansion or receivable timing.
What information should I have ready before applying?
Start with basic business and ownership details, the amount and purpose of the request, time in business and an overview of recent revenue. Additional documents may be requested depending on the provider and financing type.
Your business is the starting point
Tell us how your business works and what you want to fund.
We’ll start with your industry, business profile and funding goal, then explore suitable commercial financing options.