INDUSTRY SOLUTIONS
Funding Built for Home Service Contractors
HVAC, plumbing, electrical, roofing, landscaping, pest control, pool service, home service businesses run on trucks, crews, equipment, and demand that swings with the seasons. We provide fast, flexible funding designed for the trades: vehicles, tools, payroll, materials, and the working capital to take on bigger jobs.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Trucks, equipment, payroll & more
THE CHALLENGE
Why Home Service Businesses Need Capital That Moves Fast
Home service trades live and die by capacity. Every job needs a truck, a crew, and the right equipment on site, and the work rarely arrives evenly. A heat wave floods HVAC companies with calls, a freeze keeps plumbers booked solid, and roofing and landscaping slow to a crawl in the off-season. Matching capacity to demand takes capital, and it takes it fast. Finding the crew is the other half of it, and our article on why half of small businesses can't find qualified workers covers what that shortage costs a trade business.
Trade businesses run on a season the bank's spreadsheet can't see. A slow quarter isn't decline, it's winter, and the busy months on the other side usually more than make up the gap. What the trades actually need is speed: a dead truck or a big commercial bid gives you days to respond, not weeks. The job won't wait.
At Monera Capital, we've funded home service businesses across the trades: HVAC and refrigeration, plumbing, electrical, landscaping and lawn care, pest control, roofing, and pool maintenance. Seasonal demand is a fact of the work, and our funding is structured around it.
SPECIALIZED FUNDING
Which Describes Your Business?
We built dedicated guides for specific trades, each with the cash-flow realities that trade faces and the funding that fits.
HVAC Contractors
Equipment before payment, slow-paying commercial work, seasonal swings, and the tech shortage.
HVAC funding
Plumbing Contractors
Materials before payment, commercial receivables and retainage, lumpy work, and payroll.
Plumbing funding
Electrical Contractors
Wire and materials before payment, commercial receivables and retainage, and rebate-driven solar and EV work.
Electrical funding
Roofing Contractors
Materials and crews before payment, the insurance-claim float, retainage, storm surges, and slow winters.
Roofing funding
Landscaping & Lawn Care
Seasonal cash flow, the winter slowdown, spring ramp-up, equipment, and slow-paying commercial and HOA accounts.
Landscaping funding
Pest Control
Recurring routes, customer-acquisition costs, the slow winter, fleet, and buying competitor route books.
Pest control funding
Pool Service
Buying routes, chemicals and equipment fronted before payment, the off-season, and slow commercial accounts.
Pool service fundingHow Home Service Businesses Use Our Funding
Service Vehicles & Fleet
Buy or upgrade trucks, vans, and trailers, or expand your fleet to cover more territory and take on more jobs.
Tools & Equipment
Finance the equipment your trade demands: HVAC units, excavators, jetters, sprayers, lifts, and the specialized gear that keeps crews productive.
Hiring & Crew Payroll
Bring on technicians and laborers ahead of peak season and cover payroll between invoices so you never turn down work for lack of hands.
Seasonal Cash Flow
Bridge slow stretches and ramp up before your busy season so a quiet winter or summer never stalls your operation.
Materials & Inventory
Stock up on parts, fixtures, and materials, and lock in bulk pricing from suppliers before a big job or a price increase.
Marketing & Lead Generation
Fund advertising, local SEO, and lead-gen campaigns that keep your schedule full and your phones ringing year-round.
Funding Solutions for Home Service Businesses
We offer multiple products so we can match you with the right funding for your situation.
Working Capital Loans
Cover payroll, materials, and operating costs between jobs and bridge the gap through slower seasons.
Learn MoreEquipment Financing
Finance trucks, machinery, and trade equipment with terms up to 60 months. The equipment serves as collateral.
Learn MoreBusiness Line of Credit
Revolving capital you can draw on as jobs come in, ideal for covering materials and payroll on demand.
Learn MoreRevenue-Based Financing
Repayment that flexes with your revenue. Busy season? Pay a bit more. Slow month? Payments adjust down automatically.
Learn MoreWhy Home Service Contractors Choose Us
We've worked with contractors across every trade, from solo operators and family-run shops to multi-crew operations with fleets of trucks. We know seasonal demand, job-based cash flow, and what it takes to keep crews working and trucks on the road.
Apply Now- We understand seasonal, job-based cash flow
- Approval in 4–8 hours, no waiting for banks
- Equipment & vehicle financing with terms up to 60 months
- Funding from $10,000 to $500,000
- Dedicated advisor who knows the trades
- All credit profiles considered
Simple Requirements to Get Started
If your home service business has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
We Also Serve These Industries
Home Services Funding FAQs
What can home services businesses use funding for?
Home services businesses use funding for service vehicles and fleet, tools and equipment, hiring and crew payroll, seasonal cash flow, materials and inventory, and marketing and lead generation. Funding ranges from $10,000 to $500,000.
How does funding handle seasonal, job-based cash flow in the trades?
Trade work is seasonal and job-based, so income arrives in uneven bursts while payroll and materials are constant. Working capital smooths those gaps, and equipment and vehicle financing with terms up to 60 months covers trucks and tools so you can take on more jobs.
Can home services businesses qualify for funding?
Most home services businesses qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can home services businesses get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can home services businesses get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can home services businesses get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for home services businesses?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
Insights
Reading for Home Services Owners
Contractor Cash Flow in a Stop-and-Go Housing Market
Housing starts fell 15.4% in May, jumped 19.0% in June, then fell 12.4% in July. Why contractors should plan cash flow for the swings, not a trend.
Read Article
Revenue-Based Financing vs. Term Loan: How to Choose
Payments that rise and fall with your daily sales, or a fixed schedule you can budget around. Where each one fits, and what the flexibility costs.
Read Guide
Half of Small Businesses Can't Find Qualified Workers
More owners tried to hire in June, and half reported few or no qualified applicants. What the worker shortage means for growth and where funding helps.
Read Article