Why plumbing and HVAC contractors in Nebraska qualify
Plumbing and HVAC contractors are classified under Plumbing, Heating, and Air-Conditioning Contractors, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions. Commercial and service work is eligible; new residential construction is restricted.
The cash-cycle problem
Service work collected quickly; new-construction and commercial draws run 30-60 days.
In Nebraska that usually means capital goes to stocking units ahead of the season, vans, tooling, technicians, materials for a contract.
Sharply seasonal: HVAC peaks in summer heat and winter cold, with shoulder-month troughs.
What applies in Nebraska
Nebraska funds normally on every tier — no extra restrictions apply.
Most of this activity sits around Omaha, Lincoln and Bellevue.
Vermont, North Dakota and South Dakota sit outside the lending area on every product. California and New York carry extra restrictions on the revenue-based tier.
State trade licensing applies. Licensing is not a funding threshold here, but an expired licence shows up in diligence.
Nebraska has a hard winter that removes months of the year. For plumbing and HVAC contractors that is not a downturn, it is the calendar — and underwriting reads a northern seasonal account on the twelve-month average, not on the trough.
The practical consequence is that the capital usually has to be in place before the season opens, not after the first invoices land.
The published thresholds
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund plumbing and HVAC contractors in Nebraska?
Yes. Plumbing and HVAC contractors are classified under Plumbing, Heating, and Air-Conditioning Contractors, which is an eligible category . Commercial and service work is eligible; new residential construction is restricted.
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
What if revenue is seasonal?
Sharply seasonal: HVAC peaks in summer heat and winter cold, with shoulder-month troughs. Underwriting reads the average and the deposit count, not the peak month.