Fuse Service
“Can a local trade contractor scale into a regional home-services brand by bundling financing, rebates, and warranty into the install transaction?”
Founded2017
HQSanta Clara, CA (2222 Ronald St, Santa Clara, CA 95050)
IndustryHome Services / HVAC, Electrical & Plumbing
The story
Fuse Service is a San Jose / Bay Area home-services contractor (HVAC, refrigeration, electrical, plumbing, solar) — not a fintech. It has grown since 2017 from a small appliance-repair shop into one of the larger Bay Area trade contractors, operating multiple DBAs under Fuse Service Inc. Its only 'embedded finance' surface is a consumer financing/'pay later' program for HVAC installations and links to California utility rebate programs.
Product timeline
2017
Founded as a small appliance repair business in San Jose Bay Area· founding
2025
Launched 'Install Now. Pay Later' financing promotion for residential HVAC installations· lending
Regulated entities
Contractor License
California (CSLB)
Fuse Service Inc. (License #1052421 — C20 HVAC, C38 Refrigeration, C10 Electrical, C36 Plumbing, B General Building, C8 Concrete)
The stack
Lending
Accounting gap: none