Financing, by trade.

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  Trucking and haulage

  Fuel and payroll go out weekly; the invoice pays in thirty, sixty or ninety. Almost every trucking file we see is about that gap.

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  Restaurants and food service

  Card settlement is daily and predictable, which reads well. Rent, food cost and payroll are relentless, which is usually what the money is for.

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  Retail and e-commerce

  Stock has to be bought before it can be sold, and the busiest quarter is the one that needs paying for first.

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  Construction and trades

  You fund the job, then bill for it, then wait. Holdback makes the wait longer, and that is the shape of most construction files.

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  Landscaping and grounds

  A trade with two seasons: one where the crews cannot keep up, and one where the equipment sits. Financing usually bridges the second to be ready for the first.

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  Auto repair and service

  Bays earn when they are full and cost when they are not. Most shop financing is about capacity — another lift, another tech, more parts on the shelf.

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  Medical and dental practices

  The chair, the scanner, the fit-out. Practice money is nearly always equipment money, and the equipment outlives the loan.

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  Salons and barbershops

  Chairs earn when they are full. Most shop money buys another chair, a better room, or the stock to sell from it.

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  Gyms and fitness studios

  Memberships are the best kind of revenue a lender can read: same day, same amount, every month. The equipment is the expensive part.

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  Cleaning and janitorial

  You pay the crew weekly and the contract pays you monthly. That gap is what most cleaning files are about.

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  Childcare and early learning

  Fees are steady, ratios are fixed, and growth means space. Almost every childcare file is about the room or the people in it.

Not on the list? It changes nothing about the file. We fund incorporated businesses across Canada and the United States, and the four products on Spark Capital are the same whatever the trade.