Working capital for route businesses, funded in 24 hours.
Routebook Capital funds working capital for cleaning, pest control, lawn, pool and HVAC service companies from $10,000 to $2,000,000 over 3 to 18 months, with no minimum credit score, $15,000 a month in bank deposits, and 6 months in business. Offer in about four business hours. Money in 24. Repayment is a fixed daily or weekly ACH out of your operating account — no lien on the trucks, no split of your card batches.
What are the criteria?
Working capital — criteria
- Amount
- $10,000 – $2,000,000
- Term
- 3 – 18 months
- Typical approval size
- 75% – 150% of one month’s bank deposits
- Minimum credit score
- None
- Minimum time in business
- 6 months
- Minimum monthly deposits
- $15,000
- Documents
- Application + 3 months of business bank statements (4 months if seasonal)
- Repayment
- Fixed daily (Mon–Fri) or weekly ACH. No split funding, no holdback.
- Collateral
- None. No lien on vehicles. Personal guarantee required.
- Prepayment discount
- Up to 30% of the remaining cost of funding at 30, 60, or 90 days
- Offer
- ~4 business hours · Funding 24 hours
- Underwritten
- In-house by Routebook Capital
Figures on this page are representative, not an offer. See disclosures.
What do route businesses actually use working capital for?
Hiring and training the spring crew
The crew has to be hired, trained, uniformed and on the trucks in March. The customers don’t start paying for them until April. Repaid out of peak-season deposits.
Working capital · 6 to 12 monthsA truck, a mower or a spray rig that stops the route
A transmission, a stolen trailer, a compressor on the service van. The failures that leave a day of stops unserved until they are paid for.
Working capital · funded same day on a clean fileThe pre-season chemical and supply order
Fertilizer, pool chemicals, termiticide, filters and parts, bought in bulk before the season because that is when the price is right. If this repeats every year, a line of credit is the cheaper structure.
Working capital or line of creditA small route purchase you can close this week
A retiring competitor’s customer list, a one-truck pest route, a neighborhood of pool stops. When the seller wants cash now, speed wins. For larger deals, see term loans.
Working capital · 6 to 18 monthsCarrying a commercial contract until it pays
You staffed the new office building or HOA in week one. The property manager pays in day 45 to 60. If this is a pattern rather than a one-off, ask about factoring instead.
Working capital or factoringA tax bill or an insurance renewal you can’t miss
Workers’ comp, commercial auto, the pesticide license renewal, the quarterly payment to the state. Deadlines that do not care what your February looked like.
Working capital · 3 to 9 monthsWhat does a working capital advance cost?
A working capital advance is priced as a fixed total payback, not an interest rate. You will see three numbers before you sign: the amount funded, the total you repay, and the payment.
Pay it off inside the first 90 days and you keep up to 30% of the remaining cost. Pay it off inside the first 30 and the discount is at its largest. Your actual numbers depend on underwriting your statements. Nothing on this page is an offer.
Representative file — $150,000 over 12 months
- Amount funded
- $150,000
- Total payback
- $190,500
- Cost of funding
- $40,500
- Daily payment
- $756 across 21 business days per month
- Weekly payment
- $3,664
- Paid off in the first 30 days
- You keep up to $12,150 of the remaining cost
- Status
- An illustration, not an offer
How do you read a service company’s bank statements?
We’re looking at five things, and it helps to know them before you send.
- Average daily balance. More important than your top line. A company that never dips near zero between payroll Fridays is a stronger file than one with a bigger top line that lives at the bottom of the account.
- Deposit count and consistency. A route business deposits often: card autopay batches, checks from property managers, cash from one-time jobs. Many deposit days a month reads as a working route.
- Recurring billing. Monthly service agreements, quarterly pest plans, weekly pool stops and annual contracts billed in installments all read as forward revenue. Tell us what share of your book is on a plan.
- Your floor, not your average. We size the payment against your slowest month in the window, which is why seasonal operators should send four months, not three.
- Existing positions. If you have advances out, tell us up front. We’d rather structure around them than discover them — often with a term loan consolidation.
Daily or weekly?
Weekly
Suits a company whose money lands in batches — the first-of-the-month autopay run, the commercial checks that arrive mid-month — one debit against a week of deposits.
Common for cleaning and landscape companies with a heavy commercial or HOA book.
Daily
Suits a company with steady residential card billing landing every business day, and usually prices better than weekly for the same file.
Debits run on business days only. Weekends and bank holidays are skipped.
Ask for the one that matches your deposit rhythm. You pick at signing, not after. If the payment stops working later, call us and we re-term it — see responsible funding practice.
What a route business needs to qualify.
Every number below is a real criterion. If you clear these, apply. If you don’t, call us and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital or factoring. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital. Up to $5,000,000 for term loans, SBA, and factoring facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your business is seasonal. |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No split funding. No holdback percentage. No lockbox. |
| Prepayment discount | Up to 30% off the remaining cost of funding when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Recurring customers | Counted. Monthly, biweekly and quarterly service agreements read as forward revenue, not as one-off jobs. |
| Seasonal routes | Expected. Lawn, pool, pest and snow files are sized against the off-season floor, not the peak-month average. Send four statements. |
| Commercial & HOA contracts | Factorable. Net-30 and net-60 invoices to property managers, HOAs and commercial accounts can open a factoring facility. |
| Service types approved | Commercial janitorial and office cleaning, residential and maid services, pest control and termite, lawn care and mowing routes, landscape maintenance, pool and spa service, HVAC service and maintenance, plumbing service, window cleaning and pressure washing, tree care, irrigation and sprinkler service, snow and ice management, carpet and floor care, septic pumping and portable sanitation, and franchise route operators. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A lien on your trucks. A minimum number of routes, crews or customers. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Working capital questions, answered.
Is a working capital advance a loan?
No. It is the purchase of a fixed amount of future receivables at a discount. There is no APR, no compounding, and no maturity-date balloon. You repay a fixed total amount through fixed daily or weekly ACH debits. See disclosures for the full description.
Can I get working capital for my cleaning or lawn company with a 520 FICO?
Yes. Routebook Capital has no minimum credit score on working capital. We underwrite your business bank statements — deposit days, average daily balance, NSF pattern, your slowest month, and how much of your billing recurs. Credit is reviewed but it is not a cutoff.
How much will I be approved for?
Working capital approvals generally land between 75% and 150% of one month’s bank deposits, sized so the payment survives the slowest month in the statement window. Recurring service billing pushes a file toward the top of that range because the underwriter can see next month coming.
Do you take a lien on my trucks?
No. Working capital carries no collateral and no lien on vehicles, mowers, spray rigs or any specific asset. A personal guarantee is required.
Will you take a second position?
We prefer to be first. If you have an open advance we will look at a consolidation or a re-term rather than stacking on top of you. Call before you take another position — the earlier you call, the more structure is available.
Can I use it to buy a small route from a competitor?
Yes. A route list or customer book you can close this week is one of the most common uses. For a larger purchase where the seller will wait a few weeks, a term loan is cheaper, and SBA 7(a) is cheaper still. Read the route acquisition guide.
How early can I pay it off?
Any time. A working capital advance paid off within the first 30, 60, or 90 days qualifies for a prepayment discount of up to 30% of the remaining cost of funding. The exact schedule is stated in your two-page contract.
No minimum FICO. $15,000 a month. Six months open.
If you clear those three lines, you qualify to apply. Four minutes and three bank statements gets you a real number in about four business hours.