Funding with repayment tied to your revenue, so it follows the busy and quiet months. Three months of bank statements, soft pull to start, FICO 500+ considered.
See My OfferRevenue-Based Financing
Busy summers and slow springs are normal in this trade. Revenue-based financing connects repayment to your sales, and your offer spells out the full cost first.
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.
A 5-minute application and about three months of statements. No tax returns required.
FICO 500+ considered. Steady deposits from service and install work count for a lot.
Your offer shows the full repayment amount before you accept, with no surprise costs after signing.
How repayment works is laid out in the offer up front, so there is no guessing later.
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.
HVAC revenue rarely moves in a straight line. July and January can bring more calls than a shop can run, while April and October go quiet except for tune-ups. Plumbing is steadier but still swings with weather, new construction and a few large jobs. A fixed payment that ignores those swings can pinch hardest in exactly the months you can least afford it.
Revenue-based financing is built around your sales. Repayment is tied to the revenue coming into the business, so it generally tracks with how busy you are. That makes it a practical fit for contractors whose deposits rise and fall with the season.
No tax returns are required, FICO 500+ is considered, and sole proprietors can apply.
For a broader look at managing the seasonal swing, read our plumbing and HVAC cash flow guide.
Revenue-based financing is a close cousin of a merchant cash advance; both connect repayment to sales. If you would rather draw funds only as needed, a business line of credit may fit better, and for a specific truck or machine, equipment financing ties the funding to the asset. We offer $25,000 to $5,000,000, with the amount depending mainly on your deposits and what you already owe.
When you are ready, start your application.
It is funding where repayment is tied to the revenue coming into your business, so it generally follows the pace of your sales instead of a fixed amount regardless of how the month went.
Many seasonal businesses like that repayment connects to revenue. Look at your offer closely so you understand exactly how repayment works before you accept.
A 5-minute application and about three months of business bank statements. No tax returns required.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
Yes. The offer shows the full repayment amount up front, and nothing is added after you sign.
Yes. Some shops use revenue-based financing to market and staff a maintenance agreement program, which can smooth out deposits across the year. Look at your offer to confirm how repayment will work as that revenue builds.
Example uses for illustration only.
A little preparation leads to a better-fitting offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding