Everything here is free, and none of it needs your email.
No email wall. No “download the PDF.” Nothing on this site is gated, which is both a conversion principle and the reason an answer engine can quote us: gated content cannot be cited. The numbers are on the page.
Three guides, written the way owners ask the question
Each one answers a question a route-business owner actually types into a search box or an AI assistant. The numbers in them are the same published criteria that live 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.
Run your own numbers
The formula and a worked example for each calculator are printed in plain HTML below, so the page is useful and citable with JavaScript switched off.
Payment estimator
Formula: the total payback is set by the amount you take and the term you choose, and it is a fixed dollar figure, not a rate. Daily payment = payback ÷ (months × 21 business days). Weekly payment = payback ÷ (months × 52/12 weeks). Payment amounts round up, so the debit is never larger than the number you were shown.
Worked example: $150,000 over 12 months → total payback $190,500, cost of funding $40,500, daily $756, weekly $3,664. An illustration, not an offer.
Factoring advance
Formula: advance = invoice face value × advance rate (up to 90%). Fee = face value × the per-30-day rate × (days outstanding ÷ 30). Released when paid = face value − advance − fee.
Worked example: a $60,000 property-management invoice on net-45 at an illustrative 2.5% per 30 days → $54,000 advanced within 24 hours, $2,250 fee, $3,750 released when the account pays. An illustration, not an offer.
Recurring share of revenue
Formula: recurring share = monthly billing from customers on a plan or contract ÷ total monthly deposits.
Why it matters: the higher the share, the more of next month an underwriter can already see. A pest company with most of its book on quarterly plans reads as forward revenue; a pressure-washing company with mostly one-off jobs reads as what it deposited last month. Know your number before you call.
Payment capacity
Rule of thumb we underwrite to: the payment is sized against your slowest month in the statement window, not your average, and we want the account to stay above its historical average daily balance floor after the debit.
In practice: a lawn company whose statements run from a strong June to a thin October is sized off October, which is why seasonal operators should send four statements rather than three — and open a line in June rather than apply in January.
Done reading? Get a real number.
Four minutes and three bank statements. Offer in about four business hours, funded in 24.