Can I get funding to add a truck and a crew at the same time?

Often yes — funds are generally flexible. We'll help you understand which products fit a mix of vehicle, hiring, and equipment needs.

What if my business is seasonal?

Seasonal revenue is common in home services. We account for your pattern and look for options whose repayment can align with your busier months.

Does checking options affect my credit?

Pre-qualification typically uses a soft inquiry that doesn't affect your score. A formal application with a lender may involve a hard pull, disclosed in advance.

I've been open under a year — can I still explore options?

Some products require more time in business, but others are more flexible. We'll be honest about what may be available given your time in business and revenue.

Industries

Funding for home-service businesses

Plumbing, HVAC, landscaping, cleaning, and remodeling businesses grow with the right vehicles, tools, crews, and marketing. We help home-service owners explore funding options to take on more jobs and serve more customers.

What business owners are working toward

Home-service businesses — plumbing, HVAC, electrical, landscaping, cleaning, painting, and remodeling — grow by saying yes to more jobs, which means more trucks, more tools, more marketing, and more people. Each of those comes with cost before the new jobs pay off. We work with owners to understand their service area and booking volume, and look for funding options that help them take on more work without straining the business.

Common uses for funding

Work vehicles & trucks

A new or additional service truck lets you run more jobs at once and expand your service area.

Tools & equipment

Upgrading or replacing tools and specialty equipment lets you take on higher-value work you'd otherwise refer out.

Marketing & lead generation

Investing in marketing fills the schedule — but the jobs it brings pay off after the ad spend is already due.

Hiring & crews

Adding a technician or crew means payroll and training costs before the added jobs produce revenue.

Taking on more jobs

Saying yes to a bigger season of work means carrying materials, labor, and fuel costs before collections arrive.

Common challenges

Home-service businesses often pay for materials and labor up front while customers pay after the job is complete, and seasonal demand swings can mean a packed summer followed by a quiet winter. Timing growth investments against these cycles is the everyday challenge.

How Nixa Financial can help

We review your monthly revenue and time in business to identify what options may be available.

We present choices from multiple lenders and financing partners so you can compare.

We explain each option clearly, including how repayment fits your seasonal and job-by-job revenue.

Exploring is free of obligation and doesn't guarantee funding or any specific terms.

Frequently asked questions

Ready to explore your options?

It takes about five minutes to get started. No obligation, no pressure.

Apply Now

Have questions? Contact us first.

NIXA Financial is not a lender. Approval and terms are determined by individual lenders. Submitting an application does not guarantee funding or any specific offer.

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