Key Takeaways
- Home services businesses with recurring maintenance contracts are highly bankable
- Home inspection, pest control, painting, gutter, and similar services all eligible
- Equipment, vehicle, and seasonal capital all available
- SBA closed to L-1 holders — Bankable funds home services businesses on contract revenue
- Decisions in 48 hours, $25K to $1.5M
The US home services market exceeds $600 billion annually and encompasses everything from pest control to window washing to home inspection. The recurring maintenance model — quarterly pest control treatments, annual gutter cleaning contracts, bi-weekly lawn maintenance — generates the kind of predictable revenue that Bankable's underwriting is designed to reward. L-1 holders in this space typically come from property management, facilities operations, or engineering backgrounds that give them both technical knowledge and customer service standards.
Many L-1 home service operators grow through a simple multiplication: they start with their own labor, add one employee, add equipment, add a vehicle, add another employee. At each step they need capital — for the van, for the equipment, for the working capital to make payroll while building their client base. Bankable funds each of these steps, on your revenue, without the immigration status filter.
Home Services Capital for L-1 Holders
- Service vehicle financing: Work trucks, vans, and trailers for service technicians — asset-backed at 70-80% LTV
- Equipment purchasing: Pressure washers, lawn equipment, pest control sprayers, or inspection tools — the tools your service requires
- Software and CRM subscriptions: Jobber, ServiceTitan, or Housecall Pro for scheduling, invoicing, and customer management
- Employee expansion: Hiring and training service technicians before your customer base grows to support the payroll
- Marketing for service route growth: Google Local Services Ads, direct mail, and Nextdoor advertising to grow your service area
Check your Bankability Score to see how your home services business qualifies.
Frequently Asked Questions
Yes. Home services businesses owned by L-1 holders with a US entity, EIN, SSN, and at least 6 months of documented revenue qualify for Bankable funding. No green card required.
Pest control, pressure washing, window cleaning, painting, home inspection, gutter cleaning, landscaping, pool service, and similar recurring or project-based services all qualify.
Yes. Service vans, pickup trucks, and utility trailers all qualify for vehicle financing. The vehicle serves as collateral with typical 70-80% LTV.
Yes. Annual maintenance contracts or subscription services (monthly pest control, bi-weekly cleaning, quarterly HVAC tune-ups) generate predictable recurring revenue that is the strongest underwriting signal.
Yes. Home services franchises (Five Star Painting, Window Genie, Mosquito Joe, etc.) owned by L-1 holders qualify under both franchise and home services guidelines.
Seasonal patterns — spring for pressure washing, fall for gutter cleaning, summer for landscaping — are accommodated with seasonal repayment structures. We evaluate annual revenue rather than the off-season low point.
Yes. Digital marketing spend to grow your service route — Google Local Services Ads, Yelp advertising, and NextDoor campaigns — qualifies as a business investment funded through working capital.
Bankable works with home services businesses generating $8K or more per month ($96K+ annualized). Minimum 6 months of operating history with verifiable revenue.