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Industry/Plumbing Contractors

Funding that keeps your plumbing trucks rolling.

Plumbing swings between steady service calls and big jobs that tie up cash, you front parts and fixtures, dispatch trucks that cost money all day, and on commercial and new-construction work you wait weeks for a draw or invoice to clear. Banks hesitate at the lumpy revenue. We fund on what you actually deposit.

  • Funding in as little as 24 hours
  • Approved on revenue, not just credit
  • Service plumbers to contractors
  • Bridge the gap on big jobs

Fast reviews · Clear communication · No misleading promises

24hr
Funding in as little as
$10k–$500k
Typical range
6mo+
Time in business
All
Credit profiles considered
The landscape

Why plumbing cash flow gets tight.

Plumbing mixes high-margin service calls with bigger repair, remodel, and new-construction jobs that swallow cash, you buy fixtures and materials up front, pay crews every week, and on commercial work you carry the job until a GC's draw or an invoice finally clears. A shop with a full schedule can still be short on cash.

Revenue-based funding looks at your deposits rather than the lumpiness, so you can stock parts, fix or add a truck, make payroll, or float a big job, and repay as the work pays out.

Where it goes

What this funding covers most.

Parts, fixtures, and material stock-ups

Service trucks and upfits

Payroll between big jobs

Tools, jetters, and camera equipment

Floating commercial and new-construction jobs

Emergency equipment repairs

Marketing and lead generation

Adding a crew or a second truck

Ballpark

What you might qualify for.

A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.

Monthly revenue
Likely funding range
Common products
$10k – $25k / mo
$5k – $50k
MCA
$25k – $75k / mo
$25k – $150k
MCA / Line of Credit
$75k – $250k / mo
$75k – $500k
Line of Credit / MCA
$250k+ / mo
$250k – $5M
Line of Credit / SBA 7(a)

Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.

The difference

Why banks say no, and what's different here.

What a bank sees
How we work
Lumpy job-based revenue
We read your real deposits over time
Trucks and tools depreciate
Revenue performance carries the decision
Commercial jobs pay on slow terms
We bridge the gap until draws clear
Weeks of underwriting
Reviews start same day; funds in as little as 24h
Best fit

The products that fit best.

The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.

Eligibility

What it takes to qualify.

A realistic picture of what we look for, and what to have ready so things move quickly.

Typical requirements

6+ months in operation

$10k+ in average monthly revenue

An active business bank account

Steady deposits or card volume

U.S.-based plumbing business

What to have ready

3–6 months of business bank statements

Recent card-processing statements (if applicable)

A government-issued photo ID

Business info (EIN, license)

Process
How it works

From question to funded, fast.

Tell us about the business

Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.

Quick review of your sales

We look at recent deposits and card volume to understand what you may qualify for.

Compare your real options

See the products that fit your situation side by side, in plain language.

Get funded and move

Once you choose a direction, funds for fast options can land in as little as a day.

In practice

How funding plays out.

Challenge

Service van threw a transmission

Outcome

Funded next day, crew never stopped

Challenge

Big remodel needs fixtures up front

Outcome

Drew to buy materials, repaid when paid

Challenge

Adding a second service truck

Outcome

Lower-rate financing for the truck and tools

Representative scenarios for illustration. Individual results, products, and timing vary.

Why us

Why owners work with us.

We fund on revenue, not just credit

Speed to stock parts or fix a truck

Service plumbers and contractors

Straight talk, no guaranteed-approval hype

Bridges slow commercial and GC pay

One conversation to compare every fit

“A commercial job had us float forty grand in fixtures for six weeks. The line of credit covered it and we repaid the day the GC paid us.”
MW
Marcus W.Plumbing contractor · GA

Representative experience. Individual results vary. No outcome is guaranteed.

Questions

Plumbing Contractors funding FAQ.

Still have a question? A specialist can usually answer the same business day.

Start a review
Do you fund plumbing companies with lumpy, job-based revenue?
Yes. We look at your deposits over several months rather than any single month, so the natural ups and downs of job-based work don't count against you.
Can funding cover a new truck or big-job materials?
Both are common uses. Smaller, fast needs suit an advance or line of credit; larger purchases like trucks or equipment can fit SBA 7(a) at lower rates.
My commercial jobs pay slow, can you help?
That slow-pay gap is one of the most common reasons plumbers come to us. Funding covers materials and payroll now and is repaid as the draws and invoices clear.
What can plumbing funding be used for?
Parts, fixtures, trucks, tools, payroll, marketing, or floating a big job. No restriction on use of funds.
How fast can I get funded?
A merchant cash advance can fund in as little as 24 hours once your revenue is reviewed, fast enough to keep a crew working.
Do you work with service and new-construction plumbers?
Yes. Service, repair, remodel, and new-construction plumbers all qualify when revenue and time in business line up.
Learn more

Guides to help you decide.

Plain-English answers to the questions owners ask before they apply.

Related

More Construction & Trades funding.

We tailor funding to specific businesses across the industry, explore the others.

Next step

Funding built around your business.

Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.

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