Six strong months have to carry twelve months of costs
Home services businesses earn the bulk of their revenue in a compressed window and carry fixed costs year-round. Trucks, equipment, insurance, and a crew you want to keep through the off-season all have to be funded from a season that has not started yet. The businesses that scale are usually the ones that can pre-fund the ramp instead of waiting for it.
Where it squeezes
- 01A concentrated earning season against twelve months of overhead
- 02Equipment and vehicle purchases due before the season opens
- 03Crew retention and training through the off months
- 04Marketing spend front-loaded ahead of peak demand
- 05Weather disruptions compressing an already short window
What owners use capital for
- Pre-funding equipment and trucks before the season
- Retaining crews through the off-season
- Scaling marketing ahead of peak demand
- Covering materials on a large residential or commercial job
- Expanding into an additional service line
What home services businesses most often use — in order.
Revenue-Based Financing
Seasonal businesses and those with uneven month-to-month revenue.
- Amount
- $5K – $1M
- Term
- Varies with your receipts
- Speed
- Often the fastest option to fund
- Cost basis
- Factor-based cost, disclosed as a total before signing
- Payments scale with revenue
- Lightest documentation
- Credit is not the primary factor
Typically the highest cost per dollar — you are paying for speed and flexible qualification.
Compare structuresBusiness Line of Credit
Businesses that want capital on standby for recurring or unexpected needs.
- Amount
- $10K – $250K revolving
- Term
- Revolving, typically renewed annually
- Speed
- Days to set up, then draw on demand
- Cost basis
- You are charged only on what you draw
- Draw and repay on your schedule
- Pay only for what you use
- Replenishes as you repay
Approval amounts are usually smaller than a term structure, and the line must be maintained.
Compare structuresEquipment & Expansion
Businesses making a larger, longer-horizon investment.
- Amount
- $25K – $2M
- Term
- 12 – 36 months, typical
- Speed
- Days to a couple of weeks
- Cost basis
- Cost reflects the asset and the term
- Asset-backed options
- Longer terms spread the cost
- Preserves working cash
The capital is purpose-bound to the asset or project, not general-use cash.
Compare structuresWorking Capital
Businesses that want a fixed schedule and a clear payoff date.
- Amount
- $5K – $2M
- Term
- 3 – 24 months, typical
- Speed
- Days, once your file is complete
- Cost basis
- Fixed total cost disclosed before signing
- Predictable payment schedule
- No collateral required
- Clear payoff horizon
Less flexible than a line of credit — you take the full amount up front and repay on a set schedule.
Compare structuresAmount ranges and timelines are typical ranges, not guarantees. All financing is subject to underwriting review; product availability and terms vary by applicant.
Asked and answered.
Strong nights and dead weeks in the same month. The walk-in fails when you can least afford to replace it.
Your best quarter requires writing the biggest check months earlier. Capital timing is the whole game.
Parts are bought up front, insurance pays on its own schedule, and every idle bay is lost revenue.
Get a straight answer for your business.
Soft inquiry only. Three documents to start. A real person reviews your file.