Funding built for plumbing contractors
Put another truck on the road, buy the jetter and camera, or cover materials and payroll while the builder takes 60 days to pay. Get matched with working capital and equipment financing options sized to your revenue.
Free · No obligation · No hard credit pull from us
A plumbing company's cash problem is usually a good problem with bad timing. Service calls pay the same day, but the work that grows the business — new construction, commercial fit-outs, repipes — means buying pipe, fixtures and labor now and waiting 30 to 90 days for a general contractor or property manager to pay. Banks are slow and paperwork-heavy exactly when you need to commit to the job.
We match plumbing contractors with providers who actually fund the trades: working capital advances sized to your bank deposits, equipment financing for trucks and big-ticket tools, and lines of credit for businesses with longer history. You tell us about the business once; we route the file to criteria you fit instead of blasting it everywhere.
What plumbing businesses fund
Service trucks & vans
Add or replace vehicles and stock them properly without draining the operating account.
Drain & inspection equipment
Hydro-jetters, sewer cameras, locators and press tools — the gear that turns a referral into a job you keep.
Materials for contract work
Buy pipe, fittings, fixtures and water heaters for new-construction and commercial jobs before the first draw.
Payroll
Keep licensed plumbers and apprentices paid while receivables catch up.
Slow-paying receivables
Bridge the 30–90 days between finishing the work and the builder or property manager paying for it.
Excavation equipment
Take sewer and water-line replacements in-house instead of subbing them out.
Licensing, bonding & insurance
Handle renewals and larger bonds that bigger contracts require.
Marketing
Fund the ads and reviews push that keeps the service phones ringing year-round.
Check your options now
Takes a few minutes. Free, no obligation, no hard credit pull from us.
About you
What funders actually look for in a plumbing file
The first thing an underwriter reads is your business bank statements — usually the last three months. They're looking at average daily balance, deposit consistency, and how often the account dips negative. A service-heavy shop tends to show well: many small deposits, spread across the month. A contract-heavy shop shows fewer, larger deposits, and a month between progress payments can look weak on paper even when the backlog is strong.
If that's you, bring context: signed contracts, the receivables aging, the draw schedule. Providers who fund contractors will read it. What genuinely hurts a file is hidden information — an existing advance that surfaces in the statements after you said there was none. Disclose everything upfront; it's the difference between a re-priced offer and a declined file.
Working capital vs. equipment financing — which fits the job?
Match the money to how long the purchase pays you back. Materials and labor for a signed job turn into a paid invoice within a couple of months — that's short-cycle spending, and short-term working capital can make sense even at a higher cost, provided the term is longer than the wait for payment. A service truck, a hydro-jetter, a sewer camera or an excavator earns over years, and belongs in equipment financing where the term matches the working life and the rate is typically lower.
The expensive mistake is funding slow-paying contract work with money that has to be repaid daily starting tomorrow. If the builder pays in 60 days, a line of credit or a longer-term product usually fits better than a short advance. A good match costs less than a fast yes.
Funding estimate calculator
A rough range based on typical provider criteria — an estimate, not an offer.
Plumbing funding questions
How fast can a plumbing business get funded?
Many funding partners can review a file and fund within 1–3 business days once your documents are in — usually 3 months of business bank statements. Timing varies by provider and underwriting.
Can I get funding while I'm waiting on a builder to pay?
Often, yes. Slow-paying receivables are common in contract plumbing, and signed contracts and a receivables aging report help a provider see past a thin month. The product matters here: make sure the repayment term is longer than your wait for payment.
Do I need perfect credit?
No. Many working-capital providers weigh business revenue and bank activity more heavily than personal credit. Options and pricing vary with your profile.
Can I finance a truck and cover payroll at the same time?
Yes — that's common. You can be matched with a mix of products, like equipment financing for the vehicle or tools plus working capital for operating costs.
How much funding can a plumbing business qualify for?
For working capital, most providers size offers off verified bank deposits — commonly in the neighborhood of 50–120% of your average monthly revenue, adjusted for balance history and existing obligations. Equipment financing is sized to the equipment itself. Our calculator gives a rough range; statements set the real number.
Is a merchant cash advance a good idea for a plumbing company?
It depends on the use. Revenue-based advances are fast and flexible but cost more than bank credit — they fit short-cycle spending that turns into a paid invoice quickly, and fit poorly as long-term debt or against receivables that take months to collect. If your timeline allows a cheaper product like a line of credit or equipment financing, we'll match you there instead.
See your plumbing funding options
Two minutes to check. Free, no obligation, and no hard credit pull from us.