commercial service equipment van purchased with service contractor Business Loan financing

Residential & Commercial Service Contractor Business Loans

Terms You Can Trust, Growth You Can Build Upon

As a residential or commercial service contractor, you’ve spent years building a reputation for reliability and quality. At Live Oak, we respect that legacy. Whether you’re managing daily residential service calls or overseeing large-scale commercial installs, we know your business never hits “pause,” and neither do we.

As a dedicated partner to the contracting and service trades, Live Oak provides specialized capital for businesses nationwide. From acquiring a competitor and purchasing commercial real estate to refinancing existing debt, we provide the financial foundation you need to operate at peak performance.

Who We ServeAt Live Oak, we partner with specialized trade organizations and service providers across the residential and commercial sectors. Our solutions are tailored to the unique operational demands of:

  • Elevator Maintenance & Service Corporations
  • Fire Protection Systems
  • Fireplace & Chimney Service Experts
  • Foundation & Crawl Space Remediation
  • Garage Door & Access Control System Businesses
  • Pest Control & Mitigation
  • Pool Management Service Providers
  • Propane & Gas Providers
  • Roofing, Siding, & Gutter Specialists
  • Security, Alarm, & Surveillance Providers
  • Septic & Waste Management Services
  • Window & Door Installation Professionals

While the industries listed above represent our core specializations, our expertise is not limited by category. If your specific trade isn’t listed, we welcome the opportunity to discuss your unique business objectives and explore how a strategic partnership can drive your growth.

Contact Loan Specialist

Loan Solutions

Green two hands shaking icon representing connect

Acquisition

If you are looking to expand your footprint by purchasing an existing service contracting business, Live Oak provides the strategic guidance necessary for a seamless transition. With our commitment to operational efficiency and deep expertise in acquisition financing, we help you secure your legacy and scale with confidence.

Green buildings icon representing commercial real estate

Commercial Real Estate

Investing in a permanent headquarters is a pivotal step in scaling your service capacity. At Live Oak, we provide tailored commercial loan structures designed specifically for the service trades, offering the expertise needed to navigate the complexities of purchasing commercial real estate while avoiding costly pitfalls.

Green puzzle piece icon representing acquisitions and Live Oak Bank's suite of FDIC insured products.

Succession Planning

Your business is more than just a list of service contracts; it’s a valuable asset. Whether you are preparing for an internal buyout or an external acquisition, we partner with you to optimize your service, contacting businesses’ financials and operations, securing the successful exit or transition you’ve earned.

Electric green icon with an open hand cupping a coin with a dollar sign representing the concept of a business loan or business lending opportunity

Working Capital

Optimizing your operational capacity is essential to protecting your bottom line. We have partnered with hundreds of service contractors to enhance their businesses through strategic working capital. Whether you are upgrading your fleet or managing seasonal cash flow, we provide the capital necessary to realize your company’s full potential.

roofer nailing shingles to roof thanks to business loan solutions for commercial and residential home services contractors

Expert Financing for the Roofing Industry

Our dedicated lending team understands that in the roofing industry, timing and cash flow are everything. We specialize in providing roofing contractors with the agile capital needed to acquire an existing operation, manage seasonal surges, secure bulk-material discounts and modernize their fleets. With a deep understanding of the trade’s unique project cycles and insurance-driven revenue models, our experts offer tailored financing solutions that empower your business to cover every job without missing a beat. Our team offers tailored financing for:

  • Acquisition
  • Commercial Real Estate
  • Equipment Financing
  • Refinancing
  • Working Capital

Why Live Oak

At Live Oak Bank, we combine deep industry knowledge with specialized loan solutions to meet your business’s unique needs. We navigate the lending process alongside you with absolute efficiency and transparency, ensuring you are supported from application to funding. We are proud to invest in your growth because your drive is what drives us forward.

Our Team Understands Your Business

  • Dillon Caraway | Live Oak Bank

    Dillon Caraway
    Senior Loan Officer - Service Contractors

    Email Dillon | 252.671.2427

  • Jordan Cordero | Live Oak Bank

    Jordan Cordero
    Senior Loan Officer - Service Contractors

    Email Jordan | 910.358.4588

  • Manny Cordero | Live Oak Bank

    Manny Cordero
    Associate Loan Officer - Service Contractors

    Email Manny | 850.336.9461

We're ready when you are

Male using his phone to search for contractor business loans and financing solutions

From our resource center

As part of our commitment to supporting small business owners, we have a library of free educational resources available to anyone. Here’s what you can expect to find in Live Oak Bank’s Resource Center:

  • Loan product overviews
  • Marketing tips and tricks
  • Small business fundamentals
  • Live Oak customer spotlights