Merchant Fund Express
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Equipment Financing for Plumbing and HVAC

Jetters, cameras, recovery machines, vans and more. Spread the cost so your cash stays ready for payroll and parts.

Finance My Gear

Plumbing & HVAC Equipment

Put better tools on every truck

The right equipment means faster diagnostics, more first-visit fixes and jobs you no longer have to refer out. Finance it on a schedule you see before you accept.

As fast as
24 hours

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.

Equipment financing for contractors

Fast, with a short document list

Five-minute application plus about three months of bank statements. Funding in as little as 24 hours for qualified shops.

Credit flexibility

FICO 500+ considered. Steady job deposits weigh in alongside your score.

Total cost shown first

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

A predictable schedule

Repayment is laid out in your offer up front, so you can match it to the work the equipment brings in.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The right tools win the right jobs

A sewer camera turns a guess into a quote the customer trusts. A high-pressure jetter clears lines you would otherwise have to dig up. A properly stocked service van means the tech fixes it on the first visit instead of driving to the supply house. In HVAC, recovery machines, vacuum pumps, combustion analyzers and a reliable lift all affect how fast and how well your crews work.

Equipment financing lets you put that gear to work now and pay for it over time, so your cash stays free for payroll and parts.

What shops commonly finance

PlumbingHVAC
Hydro jetters and drain machinesRefrigerant recovery machines
Sewer inspection cameras and locatorsVacuum pumps and digital manifolds
Pipe threaders and press toolsCombustion and airflow analyzers
Trenchless lining equipmentMaterial lifts and duct fabrication tools

Upfitted service vans and box trucks are common for both trades. For broken gear that needs fixing rather than replacing, see plumbing and HVAC equipment repair funding.

Does the purchase pay for itself?

For illustration: say a trenchless lining rig lets your shop quote sewer jobs you currently refer out. Estimate a conservative number of those jobs per month and the margin on each, then compare it to the full repayment amount in your offer. If the math still works when you assume fewer jobs than you hope for, the equipment is likely carrying its weight.

We show the full repayment amount and schedule before you accept, so your math uses real numbers.

Applying

Have the vendor quote ready. You will also need about three months of business bank statements for the 5-minute application. FICO 500+ is considered, we start with a soft credit pull, no tax returns are required, and sole proprietors can apply. The amount depends mainly on your deposits and existing obligations.

Apply now, and funding can arrive in as little as 24 hours for qualified shops.

Frequently Asked Questions

Can I finance a used service van or used equipment?

Often, yes. Many shops buy used vans and refurbished tools. Send the quote or listing and we will review it alongside your deposits.

How much equipment can I finance?

Funding ranges from $25,000 to $5,000,000, based mainly on your deposits, existing obligations and the cost of the equipment.

Can I bundle several tools into one request?

Yes. If you are outfitting a new truck with a jetter, camera and tools, include everything in one request so the amount matches the full project.

Do I need perfect credit?

No. FICO 500+ is considered, and we start with a soft credit pull.

How fast can I get the equipment?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified shops. Delivery timing then depends on your vendor.

Hydro jetter $27,000.00
Upfitted van $68,000.00
Lining rig $110,000.00
Recovery tools $25,500.00

Example uses for illustration only.

How to improve your chances

Do a little homework before you buy and your request goes smoother.

  • Get a written quote with make, model and price
  • Estimate the jobs the equipment will add each month
  • Sell idle tools and trucks you no longer use
  • Keep all job payments in one business account

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About five minutes
Long forms and meetings
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Good credit typically required
Speed
As little as 24 hours if qualified
Several weeks
Initial check
Soft credit pull
Hard pull

Get the equipment your crews need

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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