Short answer
Merchant Fund Express funds existing home services franchise owners (plumbing, HVAC, electrical, painting, handyman, roofing, lawn, pest and window concepts) with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital from $5,000 to $5,000,000. Owners use it for trucks and wraps, tools, materials for big jobs, technician payroll and lead-generation spend. Send three months of business bank statements and ID; a complete file usually gets a decision in 2–4 hours.
What home services owners fund
Home services are won on response time. The owner who can send a truck today gets the job; the one waiting on cash sends the lead to a competitor.
Trucks and vans
Another service vehicle, upfitting with shelving and racks, and the wrap that makes it a moving ad.
Tools and equipment
Diagnostic gear, sprayers, mowers, jetters and lifts that let one tech do more jobs a day.
Materials up front
A big job means buying units, paint or roofing material before the homeowner's final payment.
Technicians and leads
Hiring ahead of the season and paying for the local ads that keep the phones busy.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Add a truck to the fleet | Equipment financing | The vehicle anchors the deal; see Vehicles |
| Buy materials for a large job | Working capital | Repaid from the job's revenue |
| Carry payroll while jobs are collected | Business line of credit | Draw, repay, draw again |
| Push spring or summer ads hard | Marketing funding | Spend before the season, repay during it |
| Survive the off-season | Revenue-based financing | Payments track revenue |
| Fast cash for a broken truck | Merchant cash advance | Repaid as a share of deposits |
| Bill builders or property managers | Invoice factoring | Open invoices to business customers on 30–90 day terms |
How home services deposits read
Most home services revenue comes from homeowners paying by card or check when the job closes, with financing-company payouts and the occasional commercial invoice mixed in. Seasonality is the big story: HVAC peaks in summer and winter, lawn and painting in spring and summer, roofing after storms. A reviewer reads three months against that rhythm, so tell us where you are in your season.
If you are applying in your slow months, say so and give your busy-month numbers in the description. Merchant Fund Express sizes the payment to what the business can carry across the year, and seasonal cash flow explains how owners time a request.
Hypothetical example, not a past deal: an HVAC franchise owner with three trucks turns away calls every July. They want a fourth van, upfitted, plus payroll for two new techs through their first month. A reviewer could put the van on equipment financing and cover the hiring gap with working capital.
Home services brands we fund
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
Plumbing, HVAC, electrical, painting, handyman, roofing, lawn, pest, garage door, window and closet brands all apply the same way. Name the brand and the number of trucks on the application.
Three fast calls home services owners make
Phones ringing, not enough trucks? Add a vehicle on equipment financing and put it to work the week it is funded.
Big job, materials due before the homeowner pays? Working capital repaid from the job's revenue keeps your crews moving without draining payroll.
Off-season and the bills keep coming? Revenue-based financing keeps payments in step with what comes in. Already carrying an advance? It is considered; see existing advances.
What to send
- Apply in about 4 minutesName your home services brand, the location and what the money is for.
- Upload statements and IDThree months of business bank statements for the entity that owns the territory, plus photo ID for each owner.
- Decision in 2–4 hoursOn a complete file. Same-day funding is available, and funding often lands the next business day.
No tax returns to apply. 500+ FICO accepted. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can a home services franchise owner finance a work truck?
Yes. Service vans and trucks for an operating business are a common equipment financing request.
I am applying in my slow season. Is that a problem?
No. Say where you are in your season and give your busy-month numbers. The payment is sized to the full year.
Can I fund materials for a large job?
Yes. Working capital covers materials bought before the final payment, repaid from the job.
Can I fund a spring ad push?
Yes. Marketing spend before the busy season is a normal working capital or revenue-based financing request.
Are you affiliated with any home services franchise?
No. Merchant Fund Express is independent and has no franchisor ties.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.