Stock up, staff up and keep the trucks rolling through peak season. Five-minute application with a soft credit pull to start.
Get My OfferPlumbing & HVAC Cash Advance
When heat waves and cold snaps flood the phones, your shop needs equipment, parts and labor before customers pay. An MCA turns future receipts into cash now.
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.
Five-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified shops.
FICO 500+ considered. Your service and install deposits matter more than a single number.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in your offer up front, so you can plan it around your busy and slow months.
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.
The first heat wave of summer or the first hard freeze of winter is when plumbing and HVAC shops make their money. It is also when cash gets tightest. You are buying condensers, furnaces, water heaters and fittings faster than ever, running overtime, and fueling every van, while customers on bigger jobs or commercial accounts may not pay for weeks.
A merchant cash advance gives you a lump sum now based on your future receipts, so you can buy what the season demands and keep the crews moving.
An MCA is an advance against your future sales. We look at the deposits running through your business bank account, typically about three months of statements, and make an offer based on that pattern. Repayment comes from your future receipts according to the schedule in your offer. Before you accept, you see the full repayment amount, so there are no surprise costs after you sign.
Card payments, ACH from service agreements, checks from builders: all of those deposits help show your shop's capacity.
For parts specifically, see plumbing and HVAC inventory funding.
An MCA fits short-term needs tied to revenue you expect to bring in soon. If you want something you can draw on repeatedly, a line of credit may suit you better. Our line of credit vs. merchant cash advance guide lays out the differences. Either way, compare the repayment amount in your offer to the profit the money helps you earn.
The application takes about five minutes. FICO 500+ is considered, we start with a soft credit pull, and no tax returns are required. Owner-operators running as sole proprietors can apply. Apply now, and funding can arrive in as little as 24 hours for qualified shops.
No. It is an advance against your future receipts. Your offer explains exactly how repayment works and shows the full repayment amount before you accept.
Not necessarily. We review all business deposits, including ACH, checks and card payments from customers.
Funding ranges from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.
Yes. We look at about three months of statements, and seasonal swings are normal for the trades. Applying before peak season often makes sense.
FICO 500+ is considered, and we start with a soft credit pull.
Example uses for illustration only.
Shops that do these things tend to get cleaner offers.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding