Who we fund
Financing for HVAC, Plumbing, and Home Service Contractors
Yes, HVAC and plumbing contractors can get funding, and lenders tend to like the steady demand for repair work. Common needs include service vans, stocking equipment and parts, and smoothing out the swing between peak heating or cooling seasons and slower months.
Get matched: HVAC & plumbing
The reality
Cash-flow challenges we hear every day.
Weather-driven demand
A heat wave or cold snap floods the phones, while mild spring and fall weeks get quiet. Staffing and parts have to be ready for peaks that are hard to predict.
Expensive equipment inventory
Condensers, furnaces, and water heaters are costly to keep on hand, but waiting on a supplier can mean losing an install to a competitor.
Fleet of stocked service vans
Each technician needs a van loaded with tools and common parts. Adding a tech means adding a fully equipped vehicle.
Offering customer financing and waiting on builders
Big-ticket system replacements often need customer financing to close, and new-construction work with builders pays on draws or terms.
Best-fit funding
Funding that fits HVAC & plumbing.
Service vans, recovery machines, drain cameras, and jetters can be financed with the equipment as collateral, so you can put another tech on the road.
$10K–$5M‡2–5 days*A line of credit lets you stock up on units and parts before peak season and pay it down as installs are completed.
$10K–$500K‡1–3 days*Working capital helps cover payroll and marketing during slower shoulder seasons when service calls drop off.
$10K–$1M‡24–72 hours*For new construction and commercial service contracts billed on terms, factoring speeds up payment from builders and property managers.
$10K–$5M‡1–3 days*What lenders look for
Typical profile for HVAC & plumbing.
Lenders typically review bank statements, time in business, licensing, and the owner's credit. A mix of service, maintenance agreements, and install revenue helps show stability.
Common uses of funds
- Buying and outfitting service vans
- Stocking HVAC units, water heaters, and parts
- Buying drain cameras, jetters, and diagnostic tools
- Hiring and training new technicians
- Running marketing ahead of peak season
- Acquiring a competing shop or customer list
Can I finance a fleet of service vans?
Yes, vehicle and equipment financing is commonly used for service vans, including shelving and upfitting in many cases.
How do HVAC companies manage slow shoulder seasons?
Many use a line of credit or working capital to cover fixed costs, and sell maintenance agreements to keep revenue coming in during mild months.
Can I get funding to buy another plumbing or HVAC company?
Yes, SBA loans and term loans are often used for acquisitions in the home services space. Lenders will review both companies' financials.
Do I need to be licensed to get financing?
Lenders may ask for your contractor license, and being properly licensed and insured generally helps your application.
Funding for HVAC & plumbing, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor