Vehicle, equipment, and working capital financing for HVAC, plumbing, electrical, roofing, and landscaping businesses — $10K to $1M.
Scaling a home services business requires significant upfront investment. A fully equipped HVAC service van costs $40K–$70K. Specialized plumbing equipment runs $5K–$30K. Each new technician represents $15K–$25K in hiring, training, and certification before generating revenue — and that's before you account for the vehicle they need to work from.
Bridgepoint works with lenders who evaluate home service businesses on recurring revenue and job pipeline — not just collateral. Equipment financing covers service vehicles and specialized tools up to 5 years. Lines of credit from $10K–$250K manage payroll, marketing, and seasonal demand swings.
Many clients start with a $25K–$50K line and scale to $250K+ as revenue grows. We also build business credit so home service operators access better rates as they expand into new territories.
Each new technician needs a vehicle. A fully equipped service van costs $40K–$70K. Adding 3 vans means $120K–$210K in capital before those technicians generate a dollar of net revenue.
HVAC diagnostic tools, pipe cameras, drain snakes, lifts, and specialty equipment cost $5K–$30K+ per technician. Equipment financing spreads costs over the productive life of the tool.
HVAC, electrical, and plumbing certifications take 3–6 months. Paying a technician during training means capital outlay before productive revenue — lines of credit bridge that gap.
Expanding into a new service area requires Google Ads, door hangers, and brand presence before the first job. Short-term loans and credit lines fund customer acquisition in new territories.
Vehicle and equipment financing for service vans, HVAC units, and specialty tools up to 5 years at rates from 5.99%
Lines of credit $10K–$250K with flexible draw-and-repay for seasonal revenue swings — HVAC summer surges, roofing spring spikes
Fast 24–48 hour approvals to hire technicians and buy equipment without delays — so you don't lose jobs waiting on paperwork
Business credit building for long-term rate reduction as the fleet and team grows from 3 technicians to 30
Finance service vans, HVAC units, pipe cameras, and specialty tools. Equipment and vehicles serve as collateral for easier approval.
Learn more →Revolving credit $10K–$250K for payroll, marketing, and operating expenses. Draw and repay with your seasonal cash flow.
Learn more →Straightforward term loans for home services businesses that need capital for hiring, marketing, or territory expansion.
Learn more →Fast capital for seasonal surges, emergency equipment replacement, and pre-season hiring with terms from 3–18 months.
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