Funding that moves as fast as your business needs to
Most decisions same day. Funds in your account the next morning. Soft pull only — your credit score stays clean.
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Specialized Funding for Your Industry
We understand the unique needs of healthcare, construction, and retail businesses
Healthcare & Medical
- • Dental & Chiropractic Practices
- • Medical Equipment & Supplies
- • Pharmacies & Drug Stores
- • Optometry & Audiology
- • Physical/Occupational Therapy
- • Assisted Living Facilities
- • Medical Labs & Services
Construction & Contractors
- • Electrical Contractors
- • General Construction
- • Equipment & Tool Purchases
- • Material Inventory Financing
- • Project Cash Flow
- • Vehicle & Equipment Loans
- • Seasonal Working Capital
Retail & Hospitality
- • Beer & Liquor Stores
- • Hotels & Motels
- • Spa & Wellness Centers
- • Inventory Financing
- • Seasonal Cash Flow
- • Equipment Upgrades
- • Marketing & Expansion
Why businesses work with Dosh
$25M+
Secured through our programs
48 hrs
Typical close time, complete files
50+
Industries and verticals served
Same day
Decision when your file is complete
Figures reflect activity across Dosh programs to date. Any offer depends on underwriting, documentation, and program eligibility at the time of application.
Capital when your bank moves too slow
Two structures, one application — pick what fits your situation or combine them
Business Line of Credit
Draw what you need, pay it back, draw again. Good for cash flow gaps, inventory buys, or covering payroll between client payments.
- Credit limits from $15K – $500K
- Access funds 24/7 as needed
- Only pay interest on what you use
Business Term Loan
A set amount upfront, fixed schedule, predictable payment. Right for equipment, a renovation, or a specific project you can scope and price.
- Loan amounts from $10K – $1M
- Repayment terms up to 36 months
- Fixed monthly payments
We've worked your kind of deal before
Healthcare receivables, construction draws, retail seasonality — we know how cash flow actually works in your industry
Soft pull only
We check eligibility without a hard inquiry. Your credit score doesn't move while you're exploring options.
Approved today, funded tomorrow
Same-day decisions on complete files. Funds typically hit your account the next business morning.
One file, every program
Capital, card processing, and ACH in a single application. You tell your story once — we route it to the right desks.
What we need to move forward
Four things. That's the baseline. Most service businesses clear this in year two.
How it plays out in practice
Representative scenarios based on deal types we handle regularly.
Specific businesses, names, and figures are illustrative. Not a guarantee of results.
“A dental practice needed to move fast on a CBCT scanner before a competitor opened two blocks away. The application took about ten minutes. Funds were there the next morning — no hard pull, no weeks of back-and-forth.”
Dental practice, Queens NY
“An electrical contractor landed a large commercial job but the draw schedule left a six-week cash gap. A line of credit bridged payroll and materials. They took the contract; the line paid itself off on the first draw.”
Electrical contractor, New Jersey
“A spa owner needed to redo two treatment rooms before the busy season. Her bank wanted 90 days and collateral she didn't have. We closed in 48 hours. She was booked out three weeks before the paint dried.”
Spa & wellness center, Florida
FAQ images are illustrative settings only and do not depict specific clients.
Common questions
Things people ask before they apply
Can I apply for funding and payment processing together?
Yes. Use the full application link in the site footer and select what you need: working capital, card processing, ACH processing, or any combination. We route one file so you are not repeating the same story to multiple desks.
How does funding work for healthcare practices?
Short application, soft credit pull, same-day decision on complete files. Healthcare practices deal with insurance lag and equipment that can't wait — we understand that cycle and don't ask for three years of audited financials before we talk.
Can contractors get funding for equipment and project costs?
Yes. Equipment purchases, materials, and working capital between draws are all eligible. Amounts from $10K to $1M, with repayment terms that can align to your project schedule. We're used to the draw-based cash flow pattern — it's not a black mark on your file.
What documents do retail and hospitality businesses need?
Typically the last 3–4 months of business bank statements, a government-issued ID, and a voided business check. If you process cards, recent statements help. That's usually it for the initial decision. Upload directly in the full application.
Are there application fees or prepayment penalties?
No application fee. Prepayment terms depend on the product — ask your specialist before signing. We'll be direct about cost of capital, factor rates, and any buyout terms before anything is finalized.
What can I actually use the money for?
Any legitimate operating expense: equipment, payroll, inventory, renovation, marketing, tax payments, or covering a cash gap between receivables. There's no line-item approval — if it keeps your business running, it qualifies.
Let's get to work
Running a business is hard enough.
Getting funded shouldn't be.
Five minutes to apply. Same-day decision on complete files. No hard pull, no obligation.