We underwrite route businesses the way route businesses actually work.
Routebook Capital is a direct funding source for cleaning, pest control, lawn care, pool service and HVAC/plumbing service companies, based in Miami, Florida. We underwrite working capital, lines of credit and factoring in-house, off your bank statements, with 2-page contracts and no lien on the trucks.
What we are
Routebook Capital is a direct funding source for route-based service businesses — the companies that send trucks down a list of recurring customers every week. We underwrite working capital advances, lines of credit and factoring facilities in-house, off your bank statements, and we fund them from our own capital. SBA 7(a), SBA Express and term loans above $500,000 are packaged by us and placed with our bank and SBA-preferred lending partners, because that is who funds those products.
Routebook Capital is headquartered at 9719 S Dixie Hwy #8, Miami, FL 33156.
What we believe about this industry
Route businesses get underwritten badly. The standard model looks at last month’s deposits and treats a lawn company in January, a pool company in December or a pest company before the spring surge as a weak file, when the owner knows exactly which customers will be billed again in April. It treats a net-60 HOA contract as a problem rather than a receivable. And it treats the one asset that actually makes the business valuable — the route book — as if it did not exist, because it is not a truck or a building.
So we read them differently: recurring service billing as forward revenue, commercial and HOA invoices as something you can borrow against, the off-season floor instead of the peak-month average, and a competitor’s customer list as something worth financing on a term that matches how long those customers will stay.
How we work
In-house first
Every file goes to our own underwriting desk before it goes anywhere else. You get a real answer from the people who make the decision.
Numbers before signatures
Amount, total payback, payment and schedule, on screen, before you commit to anything. The contract is two pages.
Call us before you stack
If the payment stops working, we would rather re-term a live file than watch an owner take a third and fourth position. That conversation costs you nothing.
No automated outreach
We don’t run drip campaigns. If you hear from us, it’s a person who has read your file.
The straight version of what this costs
Fast money is expensive money. A 12-month working capital advance is the most expensive product we offer, and it exists because a spring crew that starts Monday doesn’t wait 45 days for an SBA approval. If you have 680 credit, two years of returns and a month of runway, SBA will cost you a fraction of what we charge for an advance, and we will tell you that on the phone. We would rather place you correctly once than fund you wrong twice.
Routebook Capital is a new brand and does not claim otherwise. We do not publish testimonials we did not receive, funded-volume figures we cannot support, or awards we did not win. Every number on this site is a real criterion or a representative example, labeled as such. See compliance and disclosures.
More: the five products · who we fund · compliance & responsible funding · the partner program · contact.
Talk to the desk that makes the decision.
In-house underwriting, a two-page contract, and a person on the phone who has read your file.