Service Business
Loans &
Financing

We work with a broad range of service-based businesses: salons, spas, cleaning companies, landscaping firms, marketing agencies, IT consultants, real estate agencies, photography studios, accounting firms, hotels, event planners, tutoring centers, and more. If your business generates qualifying revenue from providing services and meets our basic requirements, you can apply.

Your service business must be operating for at least 6 months, generate $240,000 or more in annual revenue, maintain a business checking account, and have a FICO score of 570 or above. There should be no open bankruptcies and no conflicting existing financing.

After submitting your application and required documentation, you can receive an approval decision often within the same day. Funds are typically deposited within 24 hours of offer acceptance, so you can move quickly on new hires, equipment, expansion opportunities, or unexpected cash flow gaps.

Yes. Staffing is one of the most common uses for service business financing. Whether you're bringing on new technicians, expanding a client-facing team, or covering payroll during a slow seasonal period, working capital gives you the flexibility to maintain and grow your team without disrupting operations.

Absolutely. Equipment purchases, such as salon chairs, commercial cleaning equipment, computers, photography gear, service vehicles, or any other tools of your trade, are fully eligible uses of business capital. Equipment Financing in particular is purpose-built for this, allowing you to own the equipment outright while preserving working capital.

Yes. Renovating your space, customizing a leased location, or outfitting a new office or studio is a common use of service business capital. A strong physical environment supports your brand and client experience, and financing makes it accessible without draining your reserves.

Most of our service business financing products are unsecured. Approval is based on your business's revenue performance, not on pledging equipment, real estate, or personal assets. This makes financing accessible for service-based businesses that don't hold significant physical collateral.

It depends on your situation. A Small Business Loan or Revenue Advance provides general working capital with broad flexibility. Equipment Financing is ideal if you're purchasing tools or machinery. A Line of Credit gives you revolving access to funds for ongoing operational needs. A Term Loan provides structured repayment for larger planned investments. Your Capital Advisor will help you identify the right structure based on your revenue profile and goals.

There is no single cutoff, because lenders in our network underwrite differently and weigh credit against revenue rather than in isolation. Service businesses with strong consistent deposits are regularly approved with credit profiles a bank would decline. We review the file and say where you actually stand rather than quoting a threshold that may not apply.

Often yes. Seasonal swings and project-based billing are normal in service work and underwriters see them constantly. What matters more is whether the pattern is explainable and whether the low months still clear. Where revenue is genuinely lumpy, structures that draw against receivables or that flex with deposits tend to fit better than a fixed monthly payment. We will say which category the business falls into before you apply.