Business Loans for Service-Based Businesses

Flexible funding designed to support and scale service companies.

Service-based businesses — from consultants and agencies to repair services and cleaning companies — often face unique cash flow challenges. Whether you’re covering payroll, upgrading tools, or expanding your offerings, business loans for service-based businesses give you the working capital you need to stay competitive.

Traditional lenders tend to view service-based companies as higher risk, requiring excessive documentation and long wait times. Capitalize Loans offers fast, no-hassle approvals with funding in as little as 24 hours.

Two business professionals high-fiving across a desk, celebrating a successful funding approval

Funding Options for Service Businesses

We offer a variety of funding types, with loan amounts ranging from $13,000 up to $5,000,000:

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Business Advance

Get upfront capital by borrowing against future business earnings — great for smoothing out uneven revenue cycles.

Learn More About Business Advance
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Line of Credit

Draw funds only when needed — ideal for ongoing projects, unexpected costs, or slow-paying clients.

Explore Business Line of Credit
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Term Loan

A lump sum with predictable repayment terms — perfect for hiring, expansion, or large one-time investments.

Learn About Term Loans
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Equipment Financing

Fund new software, tools, or other specialized equipment without disrupting cash flow.

Explore Equipment Financing

How to use Business Services Loan

Capitalize Loans understands that service businesses come in many forms — each with unique challenges and needs. Our loans can be used for:

  • Launching new service offerings or revenue streams
  • Purchasing equipment, software, or inventory at bulk discounts
  • Funding staff training and certifications
  • Expanding to a new location or acquiring another company
  • Investing in digital marketing or local advertising
  • Managing payroll or operational expenses during seasonal slowdowns

Whether you’re scaling up or staying steady, we’ll help you find the right funding to move forward confidently.

How It Works

01
Submit One Application
Complete our short online form — no mountains of paperwork.
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02
Get Matched with the Right Option
A Capitalize underwriter will review your business and guide you to the best-fit loan.
03
Get Funded Quickly
Receive approval and funding in as little as 24 hours.
04
Repay with Confidence
Terms are clearly structured upfront to align with your business goals and cash flow.

Why Choose Capitalize?

  • Service Industry Focus – We understand the cash flow cycles and demands of B2B and B2C service businesses

  • Fast Funding – No delays or red tape

  • Minimal Documentation – Just 6+ months in business and 3 recent bank statements

  • No Collateral Required – Most loans are unsecured

  • Flexible Solutions – Tailored to your size, stage, and growth goals

Ready to Get Started?

Apply online and speak with a dedicated Capitalize advisor who understands your business.

Apply for Business Services Funding