ABL Lenders in Home Services

July 31, 2025

by a searcher from Harvard University - Harvard Business School in Boston, MA, USA

We’re a growing pool cleaning roll-up doing approximately $300K in monthly revenue, with ~1,200 weekly customers. We launched in March and have completed six acquisitions to date. Current run-rate EBITDA is estimated at $650K–700K. I'm exploring ABL options secured by accounts receivable to help smooth working capital. Our customers typically pay at the end of the month (with some earlier), but we incur expenses like labor and chemicals throughout the month. We have a clean A/R aging report and are looking for a flexible solution. Has anyone pursued something similar or have contacts in this space?

Reply by an intermediary
from Howard University in Denver, CO, USA

Thanks ^redacted‌ for the tag. ^redacted‌ - it's nice to meet you. I have a good friend who's an ABL banker with Cadence Bank. He's creative and aggressive. Happy to share more. Feel free to connect when it's convenient for you - redacted

Reply by a professional
from University of Pennsylvania in United States

Trey - nice work on the pool cleaning roll-up! For ABL in home services, I'd suggest looking at Accord Financial and Rosenthal & Rosenthal. They both understand seasonal cash flow patterns in service businesses. Also worth checking with your existing bank first - sometimes they'll do ABL through a partner at better rates than going direct. The clean A/R aging you mentioned will definitely help your case.

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