Home services businesses can qualify for $10K to $5M in funding through Nautix Capital's lender network. Equipment financing and working capital loans are the most popular options for HVAC, plumbing, electrical, and other trade contractors.

Get Home Services Funding — See What You Qualify For

Do You Qualify?

$8K+/mo revenue

You qualify

1+ year in business

You qualify

550+ credit score

You qualify

Active US business

You qualify

Meet 3 of 4? You likely qualify.

Check Your Options

Home Services Funding Options

Product	Amount	Speed	Min Credit	Best For
Equipment Financing	$10K – $500K	3-5 days approval, 5-10 days to funding	600+	Service vehicles, tools, HVAC units, and equipment
Working Capital	$50K – $500K	48-72 hours	600+	Payroll, marketing, and materials inventory
PO Financing	$10K – $500K	2-3 days for verification, 5-7 days to fund	600+	Funding large residential or commercial contracts
SBA Loans	$50K – $5.0M	30-60 days	650+	Fleet expansion, office buildout, or acquisition
Revenue-Based Funding	$25K – $500K	24-48 hours	550+	Flexible capital tied to daily service ticket revenue

How It Works

Complete SmartMatch Assessment

Tell us about your home services business — trade specialty, revenue, and funding needs. Takes about 2 minutes with no credit pull.

2 min

Review Your Matched Options

We match your profile against lenders who specialize in funding trade contractors and home service companies.

24 hours

Get Funded

Choose your best option. Working capital funds in 48-72 hours. Equipment financing funds in 3-5 days.

~3 days

Start SmartMatch

Home Services Funding Insights

$92,000

Avg. Funding Amount

Equipment Financing

Frequently Asked Questions

Can I finance a new service vehicle or van?

Yes. Equipment financing covers service vehicles, cargo vans, box trucks, and specialized trade equipment. The vehicle serves as collateral with terms from 24 to 60 months.

How do I fund a large contract?

PO financing advances capital against confirmed customer contracts so you can purchase materials and pay crews upfront. Ideal for large residential remodels or commercial service contracts.

What about seasonal demand?

Revenue-based funding adjusts payments with your revenue — you pay less during slow winter or summer months. Working capital loans provide steady capital to maintain operations year-round.

Do you fund new home service businesses?

We require at least 6-12 months in business for most products. Equipment financing may work for newer businesses since the equipment serves as collateral.

Is there a cost to use SmartMatch?

No. SmartMatch is completely free with no obligation and no credit pull.

See Your Home Services Options

Free 2-minute assessment. No credit pull. No obligation. See every funding option you qualify for.

See Your Home Services Options