Stock equipment, add vans and keep techs paid between heat waves and cold snaps. Established shops can get $25,000 to $5,000,000.
See My OptionsPlumbing & HVAC Cash Flow
Condensers and furnaces have to be paid for before the install. Apply in about five minutes with three months of bank statements.
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.
About three months of bank statements and no tax returns. Qualified shops can be funded in as little as 24 hours.
Service and install deposits carry weight alongside your credit.
You see the full amount you will repay before you accept. No surprise costs get added after you sign.
The repayment schedule is laid out in the offer, so you can plan around peak and shoulder 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 live with weather-driven demand. The first heat wave fills the board with AC calls, the first hard freeze brings furnace no-heats and burst pipes, and the mild weeks in between can feel quiet. Each truck carries parts inventory, every installation needs equipment bought in advance, and commercial customers often pay on terms. Plumbing and HVAC cash flow is about carrying those costs between the busy stretches.
Sell maintenance agreements. They spread revenue across the year and fill the shoulder seasons with tune-ups. Collect payment at the door on residential service calls, and take deposits on replacement installs. Count truck stock regularly so inventory does not quietly grow. Bill commercial work on progress milestones when possible.
For the pre-season build, inventory funding for plumbing and HVAC covers equipment and parts. For adding vans or tools, see equipment financing. Big commercial jobs are covered on our big contract funding page.
Service and repair work usually pays fast and keeps cash moving day to day. Replacement installs bring bigger tickets but tie up money in equipment first. Commercial and new construction work pays slowest of all. Knowing how your revenue splits among these helps you decide how much cash cushion you need before each season.
Established plumbing, heating and cooling companies with steady deposits can access $25,000 to $5,000,000. We review about three months of business bank statements, consider FICO 500+, and do not require tax returns. The application takes about five minutes and starts with a soft credit pull.
Each offer shows the full repayment amount and schedule before you accept. Qualified contractors can be funded in as little as 24 hours. Apply today.
Yes. Buying condensers, furnaces and parts ahead of peak season is a common use. The offer shows the repayment schedule so you can plan it against the busy months.
We look at deposit consistency and existing obligations over about three months. Slow-paying commercial accounts are normal in the trades.
Yes. Equipment financing is built for vans, tools and diagnostic equipment, and working capital can cover upfitting.
Often, yes. A business line of credit lets you draw before a busy stretch instead of taking one large lump sum.
Yes. Sole proprietors can apply. FICO 500+ is considered.
Example uses for illustration only.
These moves steady a trade shop's cash flow and help any funding review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding