Funding for your situation
What a breakdown really costs a plumbing and HVAC company, how fast funding can move, and a worked example with illustrative numbers.
✓ Checking what you qualify for does not affect your credit score.
Repair-or-replace is a cash decision before it is an equipment decision. A builder wants a full subdivision, and equipment and permits come before the first draw. Merchant Fund Express sees the best outcomes when owners put the downtime cost next to the repair quote.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
A plumbing and HVAC company file is read through service versus install mix and maintenance-plan revenue, receivables from builders and equipment and vehicles already financed.
Service calls pay at completion; installs and builder work pay in stages or on terms. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a recovery and vacuum equipment or a camera and drain equipment can run $4,500 to $7,500 and interrupt revenue while it is down.
The documents that usually matter most for a plumbing and HVAC company are a van or equipment quote and the builder contract or purchase order, alongside the bank statements.
A fixed purchase with a quote you can put in front of a funder.
A fixed purchase with a quote you can put in front of a funder.
A fixed purchase with a quote you can put in front of a funder.
A real cost of the move that is easy to leave out of the first estimate.
| Cost item | Illustrative amount |
|---|---|
| Recovery and vacuum equipment | $4,500 |
| Van engine repair | $6,200 |
| Camera and drain equipment | $7,500 |
| Lost revenue while the plumbing and HVAC company operates short (two weeks, illustrative) | $14,560 |
| Cushion for overruns and slow early weeks (about 10%) | $3,500 |
| Total cost of the breakdown | $36,260 |
Sizing check. If the full repayment shown in an offer were $47,000 over about 26 weeks, the weekly debit would be about $1,808. Against illustrative monthly deposits of $35,000 (about $8,077 a week), that is roughly 22% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Merchant Fund Express gives a same-day decision on a complete file, and funding is typically the next business day after signing. A written repair quote and three months of statements are what move it along.
That depends on the age of the equipment and the repair quote relative to replacement. If replacement is the better answer, equipment financing can be built around the new asset.
It depends on the existing position and how the account is behaving. See existing positions and stacking and second position funding.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
