Answers to the questions route-business owners actually ask.
Each guide answers one question the way an owner types it, with the criteria in a table and the mechanics explained. Nothing is gated and every number is the same published criterion that lives on the product pages.
Can a cleaning or pest control company get funding with bad credit?
Answers: “Can a cleaning or pest control company get funding with bad credit?”
Yes, if the bank statements hold up. What no-minimum-FICO actually means, which products stay open to a 520, and what an underwriter reads instead of the score.
How to finance buying another company’s routes
Answers: “How to finance buying another company’s routes”
Working capital, a term loan or SBA 7(a): which one fits the size and speed of the deal, what the lender needs from the seller, and how to value a route book before you make the offer.
Seasonal lawn care business: how to fund the off-season
Answers: “Seasonal lawn care business: how to fund the off-season”
Why you open the line in July, how a lender sizes a seasonal payment, what four statements change, and how to carry a crew from November to March without stacking advances.
Can I get funding for my pest control company if I already have an MCA?
Answers: “Can I get funding for my pest control company if I already have an MCA?”
Usually, yes. An open advance is read in your statements, not treated as a decline; what a consolidation and a re-term look like, why we will not stack, and what the payoff does to the number.
How much can a pest control company borrow against its monthly deposits?
Answers: “How much can a pest control company borrow against its monthly deposits?”
Generally 75% to 150% of one month’s deposits, inside $10,000 to $2,000,000. What moves you within the band, why quarterly billing means four statements, and what the money costs.
How do I add trucks and crews to my pool company without a lien on my fleet?
Answers: “How do I add trucks and crews to my pool company without a lien on my fleet?”
A working capital advance: no collateral, no lien on the trucks. What the next truck really costs beyond the vehicle, when in the season to do it, and when a line or term loan fits better.
Done reading? Get a real number.
Four minutes and three bank statements. Offer in about four business hours, funded in 24.