Funding for home services.

All home service trades qualify, including HVAC, plumbing, electrical, roofing, landscaping, pest control, cleaning and janitorial, painting, garage door, pool service, and general handyman businesses. Both residential and commercial service companies are eligible. Minimum requirements are typically 6 months in business and $8,000 or more in monthly revenue.

Yes. Equipment financing packages can bundle service vehicles with the tools and equipment installed in them. For example, an HVAC company can finance a service van along with the diagnostic tools, refrigerant recovery equipment, and inventory installed in the vehicle as a single package. This simplifies the process and often provides better terms than financing each item separately.

Territory expansion typically requires investment in three areas: marketing to generate leads in the new area ($5,000 to $20,000 for initial campaigns), additional service vehicles ($40,000 to $70,000 each), and new technician hiring and training ($15,000 to $25,000 per technician). A combination of equipment financing for vehicles and a line of credit for marketing and payroll is the most common approach. Many home service companies see positive ROI on territory expansions within 3-6 months.

For most products, you will need 3-6 months of business bank statements showing consistent revenue deposits. Lines of credit and short-term loans may also require a simple one-page application. SBA loans require more extensive documentation including 2 years of tax returns, profit and loss statements, and a balance sheet. We start with a soft credit pull that does not affect your credit score.