Cash flow challenges every HVAC or plumbing business faces
Peak-season demand
Heat waves and cold snaps create more calls than your team can handle.
Parts and equipment costs
Units, parts and tools must be purchased upfront for installations.
Vehicle and fleet costs
Every new technician needs a fully stocked service vehicle.
Common uses of HVAC or plumbing business funding
- Service vans and stocked inventory
- Hiring technicians
- Installation equipment and units
- Marketing and lead generation
- Offering customer financing
- Covering slow shoulder seasons
Why merchant cash advances fit HVAC & Plumbing
Home service businesses often have strong, frequent deposits from residential and commercial jobs, supporting fast funding when demand spikes.
Example: An HVAC company depositing $110,000 a month needs $50,000 in May to add a fully equipped service van and a technician before summer demand hits. (Illustrative example only; actual offers depend on underwriting.)
Requirements for HVAC or plumbing business funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.
HVAC & Plumbing funding FAQs
Can I use funding to add a service vehicle?
Yes. Funds can be used for vehicles, equipment, inventory or any other business need.
Do residential and commercial jobs both count?
Yes. All business revenue deposited into your business account counts.