Front materials and payroll on slow-paying jobs, then repay and draw again. Five-minute application, soft credit pull.
Check My LimitPlumbing & HVAC Credit Line
Install and commercial work can leave you carrying costs for weeks. A line of credit covers the gap without a new application every time a job needs material.
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.
Five-minute application and about three months of statements. Funding in as little as 24 hours for qualified shops.
FICO 500+ considered. Steady service and install deposits carry weight.
Your offer shows the full repayment amount up front, with no surprise costs after you sign.
The repayment schedule is laid out in your offer, so each draw is easy to plan around.
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.
A plumbing and HVAC shop can go from a calm Tuesday to six no-heat calls and a burst main by Thursday. Service work usually pays quickly, but install work, new construction and commercial maintenance contracts can take weeks to pay out. A general contractor holding retainage or a property manager processing invoices once a month can leave you fronting material and labor for a long time.
A business line of credit gives you a set limit to draw against whenever those gaps open up, without applying again each time.
If you are planning a single large purchase instead, look at equipment financing for plumbing and HVAC.
We review about three months of business bank statements to see your deposit pattern and current obligations. FICO 500+ is considered, and we start with a soft credit pull. No tax returns are required, and sole proprietors can apply. Your limit depends mainly on your deposits and what you already owe.
A line works best as a revolving bridge. Draw for a specific job or gap, then pay it down as soon as that customer pays. Shops that let balances sit at the limit lose the flexibility that made the line worth having. Keep a short list of what each draw was for and when you expect the money back, and the line stays a tool instead of a burden.
For illustration: a shop draws to buy equipment for a light commercial install, then pays the draw back when the general contractor's progress payment arrives a few weeks later. The limit is then free for the next job.
The application takes about five minutes, and your offer shows the full repayment terms before you accept. Apply online, and funding can arrive in as little as 24 hours for qualified shops.
You receive a credit limit, draw what you need, and repay on the schedule laid out in your offer. As you repay, that amount is available to draw again.
Funding ranges from $25,000 to $5,000,000. Your limit depends mainly on deposits and existing obligations.
It depends on your needs. Our comparison guide walks through when each one fits best.
FICO 500+ is considered, and we weigh your deposit history alongside your score.
The 5-minute application and about three months of business bank statements. No tax returns.
Example uses for illustration only.
Run your line like this and it will keep working for you.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding