How home services underwrites
What differs here from the general order underwriters work in.
- Deposits are frequent and small, which reads well for daily remittance capacity.
- Emergency work produces genuine spikes rather than anomalies, and a heat wave or cold snap is a defensible explanation for an outlier month.
- Vehicle and equipment finance is usually present and consumes a predictable slice of receipts.
- Seasonal hiring shows as payroll expansion ahead of the revenue it produces.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why home services deals get declined
Screen for these on the first call.
- Existing equipment finance already heavily committing the receipts
- Off-season statement windows understating the annual picture
- Licensing or bonding issues surfacing in diligence
- Sole operators below the revenue floor despite healthy margins
Funder appetite
Which funders want this paper, and when.
Strong. This is well-liked paper — frequent deposits, real demand, and use of funds a funder can understand. Competition among funders on these files is usually to your advantage.
Seasonality
HVAC swings hardest, with demand concentrated in temperature extremes. Plumbing and electrical are steadier. A spring statement window on an HVAC business catches the trough between heating and cooling season.
How we handle verticals
Leads are assigned in rotation off live traffic, not picked from a menu — we cannot promise a pure order of any single industry. What we can do is tell you honestly whether the volume exists to weight your leads toward home services, before you spend anything.
Exclusive-lead minimums
Every exclusive lead clears all of these, whatever the vertical. The minimums apply to exclusive leads only.
- Over $30,000/month in revenue
- Requesting over $15,000
- 6+ months in business
- 4 months of bank statements available
- U.S.-based
- Mobile-verified by 6-digit code
- Complete contactable record
Questions
What revenue do home services leads typically show?
$40K–$250K/month, with advances typically landing at $25K–$120K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only home services leads?
Weighted toward home services, yes, where volume allows; a guaranteed order of only home services leads, no — leads are assigned in rotation. They come off live traffic rather than a menu, so a pure single-industry order is not something we can honestly promise. Weighting needs the volume to support it, and we will tell you plainly before you order whether it does.
Why do home services deals get declined most often?
Existing equipment finance already heavily committing the receipts, most commonly. The others worth screening for on the first call are off-season statement windows understating the annual picture, licensing or bonding issues surfacing in diligence, sole operators below the revenue floor despite healthy margins.
How much do the leads cost?
Exclusive, mobile-verified MCA leads run $65–$120 on the open market (checked 29 August 2026). Ours are $60 each, sold to one broker. Shared leads are $40 and aged leads are $0.35. Live submission data is quoted directly. Every band on the market, and the cost per funded deal, is in how much MCA leads cost.
Full pricing and the market context is on the buy page. The other three products have their own pages: shared MCA leads, aged MCA leads and live submission data.
Other verticals
$30K–$180K/month, clustered at the lower end for owner-operators
$25K–$120K/month for independents
$50K–$400K/month, with a long tail above
$60K–$300K/month
$30K–$200K/month
$30K–$150K/month for independents, higher for multi-bay collision
$50K–$500K/month, scaling fast in either direction
$30K–$90K/month for a single location
$40K–$300K/month gross, with true margin a fraction of it
$30K–$120K/month for independents and single-location studios
$30K–$180K/month in season, far lower out of it
$60K–$600K/month
$80K–$700K/month gross, with margin a small fraction of it