We're Industry-Agnostic: Who We Fund

"Do you only work with certain industries?"

We hear this question from referral partners almost every week. Commercial bankers, fractional CFOs, CPAs, and business advisors want to know before they introduce a client.

The honest answer is no. At Serve Funding, we're industry-agnostic by design.

Most of our clients come to us through trusted referrals, and we want to be flexible enough to serve virtually anyone we get introduced to. That said, we have the best outcomes in two patterns:

→ Established businesses with historical revenue — companies with a track record we can underwrite against.

→ Asset-rich businesses — companies with accounts receivable, equipment, real estate, or inventory that can be collateralized.

We can also serve newer companies and start-ups in some cases, particularly when they have signed contracts or purchase orders to anchor a deal.

Industries We Regularly Serve

Here's a snapshot of the verticals we've structured capital for, and the kinds of solutions that tend to fit each:

Manufacturing

Working capital lines, equipment financing, and PO funding to bridge production cycles and large customer orders.

Wholesale & Distribution

Inventory financing and asset-based lines to support seasonal buys and growing distribution footprints.

Healthcare Practices

AR financing and working capital for medical groups, dental groups, and home health operators dealing with slow insurance reimbursement cycles.

Service-Based Companies

Unsecured lines and revenue-based facilities for companies whose main asset is recurring contracts.

Construction (Subcontractors Especially)

AR factoring and bridge capital for subs waiting 60–90+ days for general contractor payment.

Temporary Staffing

Payroll funding and invoice factoring for staffing firms paying workers weekly while waiting on net-45 invoices.

Inventory-Heavy Businesses

Inventory and asset-based facilities so capital isn't trapped on the warehouse floor.

Cash-Flow-Driven Operations

Lines of credit and working capital loans tied to bank statement cash flow rather than traditional collateral.

And plenty more — government contractors, importers, e-commerce brands, professional services firms, and logistics companies all sit comfortably inside our wheelhouse.

Over time, we've realized something important: it's usually not about the industry. It's about the entrepreneur behind the business — their character, their vision, and their authentic belief in what they're building.

Why "Industry-Agnostic" Actually Matters

A lot of lenders specialize. That can be a strength — but it's also a constraint. When a referral partner only knows specialists, they end up shopping the same deal to five different lenders before anyone says yes.

Our role is different. We sit between the business owner and a wide network of capital partners, and our job is to match the right structure to the right situation — regardless of vertical.

That means a referral partner can introduce us to:

• A $15MM commercial roofer who needs an asset-based line
• A two-year-old medical device startup with signed hospital contracts
• A $4MM specialty food distributor managing seasonal buys
• A government IT contractor waiting on a federal payment

…and we can engage all four with the same posture: listen first, understand the business, then structure a solution.

What We're Really Looking For

When we evaluate a new opportunity, we're paying attention to a few things that matter more than the SIC code:

→ Character of the operator — do they tell the truth about their numbers?

→ Clarity of vision — do they know what they're building and why?

→ Path to repayment — is there a realistic, durable way the capital gets paid back?

→ Coachability — can we work together when the deal hits friction (and most deals do)?

If those things are present, we can almost always find a path. If they're missing, no industry expertise will save the deal.

A Note to Referral Partners

If you're a banker, CFO, CPA, or advisor wondering whether your client "fits" — please just introduce us. We'd rather have a 15-minute conversation and tell you honestly whether we can help than have you guess and pass on a deal we could have closed.

Grateful for the entrepreneurs and partners who trust us to be part of their journey.