FICO 500+ considered. We look at the deposits from your service calls and installs, not just your score. Soft credit pull to start and no tax returns required.
Check My OptionsBad Credit Funding for Plumbing and HVAC
We review about three months of business bank statements to see how your shop actually runs, then show you the full cost before you accept anything.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and three months of statements. No tax returns required.
Credit is one factor. Steady deposits from service and install work carry real weight.
Your offer shows the total repayment amount before you accept. No surprise costs after you sign.
Repayment terms are laid out in the offer up front, so you can plan around the season.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of good plumbing and HVAC operators carry a credit score that does not match the business they run today. Maybe it was a divorce, a medical bill, a partner who left, or the early years when you put supplies on personal cards. The bank sees the number and stops reading. Your customers see a shop that shows up and fixes the problem.
We look at both. FICO 500+ is considered, and credit is one factor among several. The bigger part of the picture is your business bank activity: how steadily service calls, installs and maintenance agreements turn into deposits.
Credit tells a funder how past obligations were handled. Bank statements tell them how the business runs now. For a plumbing or HVAC company, reviewers usually look at:
None of these is an automatic answer by itself. A lower score with steady deposits reads very differently from a lower score with an account that runs empty every week. Our qualifying guide for plumbing and HVAC goes deeper.
Contractors with credit challenges often need funding for the same reasons everyone else does: equipment, inventory and payroll. A few examples for illustration:
You fill out a 5-minute application, we run a soft credit pull to start, and we review about three months of business bank statements. No tax returns are required, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
Every offer shows the full repayment amount and the repayment schedule before you accept. If you are ready, apply here.
FICO 500+ is considered. Credit is weighed together with your deposits, existing obligations and time in business, so no single number decides the outcome.
We start with a soft credit pull, which does not affect your score.
They can be part of the review. Funders look at the full picture, so be upfront about them and include context with your application.
It depends on the need. A merchant cash advance or revenue-based financing ties repayment to sales, while equipment financing is tied to a specific asset. We will walk through what fits.
Yes. Sole proprietors can apply, and we review the deposits in your business account.
Example uses for illustration only.
These steps help a file with credit challenges read stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding