When it comes to securing fast capital, not all industries are treated equally.
Different business models carry different:
Risks
Cash flow patterns
Seasonal fluctuations
Funders know this.
And at LumenPoint Capital, we work directly with funders who tailor approvals based on industry-specific factors.
Here’s what you need to know — and how to position your business for faster, better approvals.
🛍️ Retail: Speed and Seasonality
Retail businesses often experience dramatic swings in revenue depending on the season — and funders expect that.
Here’s what they really want to see:
Consistent transaction volume:
Frequent deposits, even if small, show steady demand.Strong Q4 performance:
Funders scrutinize holiday revenue closely.Inventory spending:
MCA funding is often used for restocking — lenders love to see capital driving future revenue.Low chargeback ratio:
Too many disputes or returns = higher perceived risk.
💡 Pro Tip:
Show funders how you manage seasonality and stay profitable even during slow months. That strategy builds trust — and bigger approvals.
🍴 Restaurants: Thin Margins, High Volume
Restaurants operate on tight margins — but high customer volume makes them attractive to funders.
Key things they’re looking for:
Stable daily deposits:
Even modest, steady deposits suggest reliable foot traffic.Food cost vs. revenue ratio:
Strong cost management = stronger fundability.Use of funds:
Smart owners use MCAs for kitchen upgrades, patio expansions, or staff retention.Health and safety compliance:
Any past violations can hurt approval odds.
💡 Pro Tip:
If you’re expanding or upgrading, highlight how the investment will increase covers or improve customer retention.
🚧 Construction: Big Jobs, Bigger Risk
Construction companies often qualify for larger advance amounts — but they also face more scrutiny.
Funders evaluate:
Job pipeline:
Do you have contracts lined up? Or gaps between projects?Receivables schedule:
Payment lags are common in construction — funders want realistic timelines.Asset collateral:
Owning equipment or vehicles can boost approval odds.License and insurance status:
Believe it or not, funders often ask for this upfront.
💡 Pro Tip:
Keep a clean, detailed record of completed jobs, revenue per project, and payment schedules. It shows you run a tight, dependable operation.
🧠 One Size Doesn’t Fit All
At LumenPoint Capital, we don’t just blast your file out and hope for the best.
We match you with the right funder based on:
Your industry
Your business model
Your specific capital needs
Whether you’re selling sneakers, running a sushi bar, or building skyscrapers,
we know exactly what funders are looking for — and we tailor your file to get approved fast.