Bamforth helps home services businesses get working capital fast — from a team that focuses exclusively on the trades, not a generalist lender guessing at how your business runs.
Thin credit files, seasonal cash flow, and little real estate collateral make it hard for trades businesses to get a fair look from a conventional lender or a generalist online funder.
HVAC, plumbing, electrical, roofing, pest control, landscaping, and similar home services businesses are our focus. We understand busy seasons, slow seasons, and what a maintenance contract is actually worth — because we're not spread across every industry.
No call centers, no offshore review queues. You'll work with someone who understands your trade and your business, from application through funding.
We'll tell you plainly what you qualify for and why — no confusing fine print, no surprise fees, no runaround.
Don't see your exact trade listed? We likely still work with you — start an application and we'll take a look.
Every application gets a real review — not just a generic algorithm built for a completely different kind of business.
We look at deposit history over time, not just a single snapshot — including how your revenue moves through the seasons your trade sees every year.
A strong book of recurring maintenance or service agreements is a real signal of stability — one that a generalist lender typically doesn't know to look for.
Complete files typically get a decision within 24–48 hours, with terms explained in plain language before you sign anything.
Tell us about your business, your trade, and what you need funding for — takes about 10 minutes.
Share a few months of bank statements and basic business documents securely, right in the application.
We personally review your file — your trade, your season, and your business history all factor in.
We'll let you know what you qualify for in plain language, and send your agreement to sign electronically.
Funds are deposited directly into your business bank account.
Apply in minutes and get a straightforward answer on financing for your business.
Start your application →