Stock parts for peak season or add service vans. Compare a credit line with a lump-sum advance. FICO 500+ considered, no tax returns required.
Compare OptionsPlumbing and HVAC Funding Comparison
Peak weeks need parts and techs before customers pay. We show you a line of credit and a merchant cash advance side by side so you can choose what fits your shop.
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.
Apply in 5 minutes with about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft credit pull gets things started without affecting your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can plan around busy and slow seasons.
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.
Plumbing and HVAC shops ride the weather. A heat wave fills the board with AC calls, a hard freeze brings burst pipes and no-heat calls, and the shoulder seasons can get quiet. Through all of it, you are buying condensers, furnaces, water heaters and fittings before the customer pays.
A business line of credit and a merchant cash advance can both cover those swings. A line is a reusable limit you draw from. An advance is a single lump sum repaid from future revenue.
A line tends to fit the day-to-day of a service company:
Draw for the week, repay as invoices clear, draw again next month. Learn more about a business line of credit for plumbing and HVAC.
Some steps have one price tag. Adding service vans, buying a jetter or camera rig, opening a parts warehouse, or funding a hiring push for a new commercial contract are good examples. An advance puts the full sum in your account at once. See merchant cash advance for plumbing and HVAC, and compare equipment financing for plumbing and HVAC for vans and tools.
| Line of credit | Merchant cash advance | |
|---|---|---|
| Funding style | Draw as needed | One lump sum |
| Fits | Parts, payroll, seasonal swings | Vans, tools, expansion |
| Reusable | Yes, after repaying | No |
Both offers show the full repayment amount and the schedule before you accept. If an emergency repair to your own building is the issue, see funding for emergency roof or HVAC repairs.
We fund established plumbing and HVAC companies with steady deposits, from $25,000 to $5,000,000. The 5-minute application begins with a soft credit pull, and we review about three months of business bank statements. FICO 500+ is considered, no tax returns are required, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Apply now.
For ongoing parts and payroll swings, a line of credit usually fits. For a single purchase like new vans or an expansion, an advance may be simpler.
Yes. Many shops draw on a line to stock parts and equipment ahead of peak season, then repay as service calls pay.
You can. Equipment financing is also worth comparing, since it is built around the vehicle purchase.
We review about three months of deposits along with existing obligations. Seasonal swings are normal in the trades, and we look at the overall pattern.
Yes. Sole proprietors can apply if the business has steady deposits.
Yes. A line is there for sudden peaks in calls, so you can cover parts and overtime when the weather turns and repay as invoices clear.
Example uses for illustration only.
These habits help service companies get cleaner offers.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding