Why plumbing and HVAC contractors qualify
Plumbing and HVAC contractors are classified under Plumbing, Heating, and Air-Conditioning Contractors, an eligible category. Commercial and service work is eligible; new residential construction is restricted.
Service work collected quickly; new-construction and commercial draws run 30-60 days.
What the capital is normally for
In practice: 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.
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?
Yes. 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, next business day funding on a complete file.