Private equity has been rolling up HVAC, plumbing, electrical, and landscaping businesses for years. Now individual buyers and operators have access to the same capital — through lenders who understand the sector.
Apply for Financing Submit a Client Deal →The home services and trades sector is one of the most attractive segments in small business acquisition. These are essential, recession-resistant businesses with strong cash flows, tangible equipment as collateral, and a massive wave of retiring boomer owners creating acquisition opportunities.
Private equity has recognized this — roll-up activity in HVAC, plumbing, and electrical has accelerated significantly. But individual buyers and owner-operators have largely been shut out, either because banks don’t understand trades underwriting or because they lack the deal packaging expertise to compete.
We specialize in placing acquisition and growth financing for home services businesses — fleet expansion, equipment, working capital, and business acquisitions — with lenders who know the sector.
Acquisitions, equipment, fleet, and growth capital — placed with lenders who understand trades businesses.
Acquiring an HVAC, plumbing, electrical, landscaping, or cleaning business — goodwill, equipment, vehicles, and working capital packaged together.
Expanding your truck or van fleet as the business grows. Financing options depending on deal structure and collateral profile.
Commercial-grade tools, machinery, and specialty equipment for trades businesses — standalone or bundled with an acquisition loan.
Opening a second location, adding a new service line, or hiring a crew — growth financing for established trades operators.
Seasonal cash flow management for businesses with peak and off-peak demand cycles — HVAC, landscaping, pest control.
Financing strategy for buyers aggregating multiple trades businesses — often combining multiple capital structures.
Lenders underwriting trades acquisitions look at cash flow, collateral, and operator experience. Here’s what needs to be in place.
Established trades businesses with 2+ years of tax returns showing consistent revenue and positive cash flow that can support debt service.
The buyer or operator’s personal credit score is a key underwriting factor. We match deals to lenders whose credit appetite fits your profile.
Lenders want to see relevant experience — either in the trades industry or in business management. Strong operator background compensates for a thinner financial profile.
SBA requires 10–15% of the total project cost as an equity injection from the buyer.
Trucks, trailers, and commercial equipment serve as tangible collateral — a key advantage for trades deals vs. service businesses with no hard assets.
Lenders flag deals where more than 20–25% of revenue comes from a single customer. We help you identify and address concentration risk before submission.
Submit your deal and we’ll confirm financing options and lender fit within 48 hours.
Apply for Financing → Submit a Client Deal