Funding for Appliance Repair Companies

Cover parts inventory, another van, and payroll before customers and warranty companies pay you. $10K to $5M, approved on your bank deposits — not your credit score.

The cash gap in appliance repair is real

You get the call, you diagnose the problem, and then you have to buy the part before you ever see a dollar. Compressors, control boards, sealed systems, ice makers — parts money goes out today. Payment comes later. Sometimes a lot later.

If you do warranty and home-warranty work, you already know the worst part: the labor and parts are done, the customer is happy, and the warranty company still takes 30, 45, sometimes 60 days to pay the claim. Meanwhile your techs need paying every week and your parts distributor wants their money now.

Quick Biz Capital funds appliance repair companies to bridge exactly that gap. We look at your bank deposits — the steady flow of service calls and invoices — not your FICO. Approvals start at a 500 credit score, checking your rate is a soft pull, and working capital needs no collateral.

What appliance repair owners use funding for

• Parts inventory — stock the fast-movers so you fix it on the first visit instead of losing the job to a two-day parts wait.
• Another service van — plus the ladder rack, hand tools, refrigerant recovery gear, and wrap to put a second or third tech on the road.
• Payroll bridge — cover techs and dispatch through the weeks between finishing warranty jobs and the warranty company cutting the check.
• Diagnostic and shop equipment — scan tools, refrigerant machines, a delivery box truck, or a real parts room.
• Slow-season cushion — carry through the dip when nobody's AC or fridge is dying.
• Marketing and lead flow — Google, van wraps, and review campaigns to keep the schedule full year-round.

A real dollar example

Say you land a run of home-warranty jobs and need to front $18,000 in parts and cover two weeks of tech payroll before the claims pay out. You take $18,000 in working capital. When the warranty checks land 40 days later, the gap is already handled — you never turned down the jobs, never floated parts on a personal card, and never made your distributor wait.

Same idea when it's a second van: put $30,000 toward a used van, tools, and a wrap, get the tech generating billable calls in week one, and let the new revenue carry the funding.

Terms depend on your deposits and time in business. The honest point is this — you decide the amount against jobs you can actually see on the calendar, not against a number a bank pulled off your credit report.

How to get funded

• Apply online in a few minutes — no financials packet, no tax returns to dig up.
• Connect or send your last few months of business bank statements.
• Get a soft-pull decision, usually same day, with real numbers.
• Sign and get funded — often within 24 hours. Statements and a signed agreement in before early afternoon ET on a weekday can fund same day; Friday afternoons fund Monday.

Straight answers

Do you fund small appliance repair shops or just big companies?

Both. Solo owner-operators and multi-van outfits alike. If your business account shows steady deposits, we can work with you. Minimum funding is $10,000.

My credit isn't great — does that kill it?

No. We approve on your bank deposits, and FICO 500+ is acceptable. Checking your rate is a soft pull, so it won't affect your credit.

Can this cover the wait on warranty and home-warranty claims?

Yes — that's one of the most common reasons appliance repair companies use it. You get the working capital now and repay as your deposits come in, so slow-paying claims don't strangle payroll.

Do I need collateral for a new van or parts inventory?

Working capital needs no collateral. You can put the funds toward a van, tools, or inventory without pledging assets.

How fast can I actually have the money?

As little as 24 hours. Send your statements and sign before early afternoon ET on a weekday and same-day funding is possible. Friday afternoon signings typically fund Monday.

How much can I get?

$10,000 to $5,000,000, based on your deposits and time in business — never below $10,000.