Home Service Financing

How to apply for merchant lending with HSF

Streamlining the Merchant Lending Application Process

Merchant lending has become increasingly popular for small businesses, especially those in the home services industry. Home Service Financing has created a simple platform to help contractors and contractor businesses streamline their application process for merchant lending. Read on to learn more about applying for merchant lending with Home Service Financing!

Small business owners also consider applying for a merchant cash advance, which provides capital based on future credit card sales. With this form of financing, you can leverage your business credit cards to access funds and meet your financial needs.

Merchant Lending Application Process

Home Service Financing offers a direct-to-merchant lending option which is designed to make the application process as simple as possible. To apply for merchant lending, follow these steps:

  1. Portal Registration: 

Head to the get started page and sign up. You will receive an email where you’ll find a link that redirects you to our portal registration. Fill out your information and sign up for the platform to apply for merchant lending.

  1. Submitting the Merchant Lender Application: 

We recommend completing the documents required by the Merchant lenders first before you begin, but you can always get started with your D2M application process immediately once portal registration is complete.

Before you submit your application, have the following documents ready: 

  • Primary Business Owner’s Driver’s License
  • Corporate Entity Documents
  • Business License/Sales License/Seller Permit – any of these documents
  • General Liability Insurance
  • Voided Corporate Check
  • Most recent Bank Statements
  • Worker’s Compensation Insurance
  • Sample/Blank Home Improvement Agreement
  • License/Certification (if required in your state)
  1. Home Service Financing Reviews Application: 

After submitting your application and necessary documents, Home Service Financing will review your information to assess if you are eligible for financing or not.

  1. E-signed Lender Agreements: 

For pre-approved clients, some lenders require signed lender agreements before they approve funding. Home Service Financing sends out lender agreements to be e-signed by applicants; always check your email regularly for any notifications from us during this stage of the process!

  1. Merchant Lender Approval: 

Once you have completed all of the necessary paperwork and documentation required by Home Service Financing and lenders, you will receive an email confirming that your application has been submitted. Then it’s just a waiting game while we await confirmation from lenders that you have been approved!


To be eligible to apply for a merchant loan, your business must be running for at least one year and has generated over $1 million in gross revenue.

Application timeline

The application process typically takes 5-7 business days, as a bank manually underwrites the loan. They go through all the necessary checks for a small business loan, like business bank account statements, business cash advance, business credit history, merchant cash advances, credit score, etc. Therefore, you should make sure that you have all the necessary documents ready before submitting your application.


Applying for merchant lending with Home Service Financing is quick and easy – giving contractor businesses the opportunity to offer financing options to their clients without having to worry about complex paperwork or long waits for approvals from banks or other institutions. 

Start offering financing to homeowners in as little as 30 minutes for $99 and no contract with Home Service Financing!

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