Industry Funding — Home Services

HVAC, Plumbing & Home Services Funding

Trucks, equipment, and working capital for HVAC, plumbing, electrical, and home service contractors.

Why Home Services Businesses Need Capital

Funding Built for HVAC, Plumbing & Home Services

Home service businesses scale on trucks, technicians, and the ability to front materials before the customer pays. Peak season hits and you need another truck on the road, more inventory on the shelf, and payroll for a new tech, all at once. The businesses that can fund that growth take the market share; the ones that cannot stay stuck.

Centurion Capital Group connects HVAC, plumbing, electrical, and home service contractors with capital that lets them scale into demand instead of away from it.

$10K-$400K
Working Capital Range
24-48 hrs
Funding Speed
Seasonal-Friendly
Fleet & Equipment OK

What Home Services Owners Use Funding For

Business owners in this industry put capital to work adding a service truck and wrapping it, hiring and equipping a new technician, stocking parts and materials inventory ahead of peak season, covering payroll during growth, financing equipment, investing in dispatch and scheduling software, or bridging the gap on larger commercial jobs. If your business generates consistent revenue, there is a funding solution that fits your situation.

Fast Working Capital

Need Capital Now?

Revenue-based funding approved on your deposits, not just credit score. Funds in as little as 24 to 48 hours so you can act on the opportunity in front of you.

Apply Now — Fast Capital →
Traditional Business Loans

Want Better Rates?

SBA loans, equipment financing, and commercial programs through Stearns Bank National Association, an FDIC-insured national bank. Lower long-term rates for established businesses.

Apply Now — Traditional Bank Loans →

How Home Services Businesses Qualify

Home service businesses qualify on revenue and bank deposits. Seasonality, particularly for HVAC, is understood and built into how lenders evaluate the business. Equipment and vehicle financing typically uses the asset as collateral.

Ready to Apply?

No obligation to accept any offer. Takes less than 10 minutes. Decisions come fast.

Frequently Asked Questions

Can I finance another service truck?
Yes. Vehicle and equipment financing covers service trucks and vans, with the vehicle typically serving as collateral.
How is HVAC seasonality handled?
Lenders that work with home services understand the seasonal swings in HVAC and evaluate revenue across the full year.
Can I fund hiring and equipping a new tech?
Yes. Payroll, tools, and onboarding costs for new technicians are common and approved uses of working capital.
Do electrical and plumbing contractors qualify too?
Yes. All home service trades, including electrical, plumbing, HVAC, and general handyman businesses, qualify based on revenue.

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