Capital that tracks how a service business actually grows.
A wrapped, stocked service van runs $50K to $100K by the time you are done. Two more vans, two more techs, one more dispatcher, and you are running a real capital project - not a side project. Profitable operators hit the wall here all the time because the growth spend lands months before the billing catches up.
Equipment financing buys the vans and the diagnostic gear. A line of credit smooths payroll, parts, and the slow months. A term loan funds the bigger swing - a new territory, a tuck-in acquisition, a second yard. Your underwriter picks the stack and tells you which pieces you qualify for today, not in theory.
- Buying and outfitting service vans as the fleet grows
- Stocking tools, diagnostics, and parts inventory
- Hiring, onboarding, and paying technicians before jobs bill out
- Spending on lead gen, Google LSAs, and route density before the revenue lands
We have done this before. A lot.
Vehicle and equipment financing for service vans, trailers, diagnostic tools, and shop buildouts
Working capital lines sized around payroll, parts, and seasonal dips
Growth capital earmarked for lead gen, route density, and territory expansion
Approvals that weight daily deposits heavily, so strong operators with thin credit files still get funded
One underwriter from first call through funding - not a pipeline of reps handing your file sideways
The products that actually move the needle here.
Things home services owners ask first.
Yes. Single vans or the whole fleet. Terms get priced against how long the vehicles will stay in service, so an older cargo van prices differently than a new box truck.
Most lenders want to see six to twelve months of deposits. Hit six months with steady revenue and the product menu opens up fast. Under six months, equipment financing is usually the first door that opens, because the van or the tool secures the deal.
Yes. Short-term loans and revolving credit lines get used for lead gen, Google LSAs, and hiring ahead of demand all the time. Your underwriter sizes it so the payback math works against your average ticket and close rate, not against a hope.
Funding built around home services.
Tell us about your operation and we will route you to the lenders that already understand it.
Soft credit pull. No hard inquiry unless you accept terms.