Payroll Funding for Plumbing and HVAC Shops

Why payroll gets tight in a busy shop

Plumbing and HVAC payroll problems rarely come from a lack of work. They come from timing. Your techs get paid every Friday, but a commercial GC pays in 45 days, a property manager sits on invoices, and the first heat wave of summer means overtime hits before the service calls convert to deposits. Payroll funding covers that stretch so you never have to tell a licensed tech the check is late.

How we size a payroll request

We start with roughly three months of business bank statements. From there we look at:

• Your regular deposits from service calls, replacements, maintenance agreements and contract draws.
• Your payroll rhythm, including how much of each cycle goes to wages, payroll taxes and subcontractors.
• What already pulls from the account, such as truck payments or other financing.

The amount you can get depends mostly on deposits and existing obligations. For illustration, a shop running a steady crew might request enough to cover two or three payroll cycles while a large receivable clears, rather than a number tied to a full year of revenue.

Which option fits your crew

• Working capital for a one-time bridge, like a slow-paying commercial job.
• A business line of credit if payroll gaps show up every few months and you want a reserve to draw from.
• Merchant cash advance or revenue-based financing when you want repayment tied to incoming revenue.

What the process looks like

1. Fill out the 5-minute application. We start with a soft credit pull.
2. Upload about three months of business bank statements. No tax returns.
3. Review your offer. It shows the full repayment amount and the repayment schedule before you accept.
4. Qualified shops can be funded in as little as 24 hours.

FICO 500+ is considered, and sole proprietors running a one-truck operation with a helper can apply the same way a multi-van company does.