SPECIALIZED FINANCING FOR HOME SERVICES BUSINESSES

Capital for the trades, from people who actually know them.

Bamforth helps home services businesses get working capital fast — from a team that focuses exclusively on the trades, not a generalist lender guessing at how your business runs.

Apply for financing → See how it works
Specialists
In financing for home services businesses
24–48h
Target decision time, complete file
No
Perfect credit required
Decision times are a target, not a guarantee, and depend on how quickly your file is complete.
What You'll Need
Ready to apply?
Basic business info & EIN
3–6 months of bank statements
Owner info for anyone with 20%+ ownership
A few details about your trade & business
Why Bamforth

Built for home services businesses, not adapted for them.

Thin credit files, seasonal cash flow, and little real estate collateral make it hard for trades businesses to get a fair look from a conventional lender or a generalist online funder.

01

We specialize in home services

HVAC, plumbing, electrical, roofing, pest control, landscaping, and similar home services businesses are our focus. We understand busy seasons, slow seasons, and what a maintenance contract is actually worth — because we're not spread across every industry.

02

A team that picks up the phone

No call centers, no offshore review queues. You'll work with someone who understands your trade and your business, from application through funding.

03

Straightforward terms

We'll tell you plainly what you qualify for and why — no confusing fine print, no surprise fees, no runaround.

HVAC
PLUMBING
ELECTRICAL
ROOFING
PEST CONTROL
LANDSCAPING
+ OTHER HOME SERVICES

Don't see your exact trade listed? We likely still work with you — start an application and we'll take a look.

Our Approach

We look at your whole business, not just a credit score.

Every application gets a real review — not just a generic algorithm built for a completely different kind of business.

CASH FLOW

How your business actually runs

We look at deposit history over time, not just a single snapshot — including how your revenue moves through the seasons your trade sees every year.

RECURRING REVENUE

Maintenance & service contracts count

A strong book of recurring maintenance or service agreements is a real signal of stability — one that a generalist lender typically doesn't know to look for.

THE ANSWER

A clear answer, quickly

Complete files typically get a decision within 24–48 hours, with terms explained in plain language before you sign anything.

How It Works

From application to funded, as fast as your file is complete.

STEP 01

Apply

Tell us about your business, your trade, and what you need funding for — takes about 10 minutes.

STEP 02

Upload

Share a few months of bank statements and basic business documents securely, right in the application.

STEP 03

Review

We personally review your file — your trade, your season, and your business history all factor in.

STEP 04

Approve

We'll let you know what you qualify for in plain language, and send your agreement to sign electronically.

STEP 05

Get Funded

Funds are deposited directly into your business bank account.

FAQ

Straight answers for trades owners.

Common questions about Bamforth, how financing works, and what to expect when you apply.

HVAC, plumbing, electrical, roofing, and other home services businesses that need working capital for trucks, payroll, materials, or growth — typically with meaningful monthly deposits and an established operating history.
No. We specialize in flexible working capital and revenue-based structures through funding partners. Terms are based largely on cash flow and business performance, not only a credit score or real estate collateral.
Submitting an application to Bamforth does not by itself pull your credit. If you move forward with a funding partner, that partner may review credit information to evaluate an offer. You can withdraw before accepting anything.
Many files can be reviewed quickly once bank statements and a complete application are in. Timing depends on document quality and the partner. Some merchants receive decisions in days, not weeks.
It depends on monthly deposits, existing positions, time in business, and use of funds. Many home services shops look at ranges tied to revenue — we will give you a realistic sense after reviewing the file.
Typically: basic business info, owner details, recent business bank statements, and a short application. Funding partners may request additional items during underwriting.
No. This is not an equity investment. You are evaluating financing options, not selling a stake in the company.
Often still possible. We will look at existing payments and deposits together. Transparency on current positions helps us route the file correctly.
No. Credit is one factor. For trades businesses, bank activity, seasonality, and overall cash flow matter a great deal.
Your file is reviewed, we may call to clarify details, then we package and submit to an appropriate funding partner. You will see offers or next steps before you commit.
Still have questions? Start an application or email joe@chestnutstreet.co.

Built for the trades. Ready when you are.

Apply in minutes and get a straightforward answer on financing for your business.

Start your application →
Questions first? Email us at joe@chestnutstreet.co