Jobber Capital and Financing
Jobber Capital is business funding offered inside Jobber, underwritten with Parafin and Stripe Capital. No application pack. No meeting at the bank. Eligibility comes down to the payment history and revenue Jobber can already see in your account.
From offer to repayment
The underwriting runs on your Jobber payment data, so there is no long application to fill in. If you qualify, an offer shows up. Repayment runs on a fixed schedule with set due dates, taken bi-weekly from your bank account rather than as a percentage of what you bring in.
The fixed schedule is the part worth sitting with. Revenue-share funding gives way when a quiet month turns up. This does not. The payment comes out whether February was any good or not.
What the data has to show
Steady card volume through Jobber Payments, and a revenue trend that is holding or climbing. If most of your money arrives as a cheque or a bank transfer outside Jobber, the underwriting has nothing to read. Those crews tend not to see an offer.
The questions worth asking
The total cost, not the rate. What a slow month looks like, given the repayment does not move. And what the money is actually for. A van or a hire that adds capacity is one decision. Covering a gap that keeps reappearing is another one entirely.
The cheapest capital is the work you already have. A contractor with 40 Google reviews books more of their quotes than the same contractor with 4. That costs nothing per job.
The growth that does not need financing
More reviews means more of your quotes get accepted, and it costs $9 a month. When the job is marked complete in Jobber, Trophy Jar asks that customer for a Google review. The $9 plan includes 100 texts a month, the $19 plan 1,000, sent from your own local number. For US businesses we handle the 10DLC registration.