The Pinch Points
Why Plumbing Contractors Come to Us Instead of Their Bank
Plumbing is an emergency business, but your bank treats every request like a mortgage application. These are the spots where we get called.
Jetter Down Mid-Job
Your main jetter broke on a $40K commercial drain job. Replacement is $28K. Every day without it costs you $2K in subbed-out work.
New-Construction Rough-In
You won a bid on a $200K new-construction plumbing package. Rough-in materials cost $50K and the builder wants you on site in 10 days. Your bank needs 6 weeks.
Parts House Maxed Out
Three service calls today, all requiring parts you don't have in stock. Your parts-house credit is maxed at $15K and you need $30K in inventory to keep up with demand.
Multi-Location Replumb
A restaurant chain wants you to replumb 4 locations — $140K total contract. You need $32K in copper, PEX, and fixtures upfront but they pay per-location completion over 3 months.
Camera System Going Blind
Your camera inspection system is 8 years old and missing half the problems. A new unit with locator is $14K. You're losing $3K/month in misdiagnosed jobs and callbacks.
Forty Buildings of Recurring Work
A property-management group offers you the maintenance contract for forty buildings — steady, recurring work that smooths out the emergency-call rollercoaster. But servicing it means a second truck and another licensed plumber on payroll before the first month bills. Turn it down and you stay at the mercy of the 2 a.m. call.
What an operator said
“A property manager handed us the maintenance contract for nine buildings — recurring, but we needed a second truck and a licensed plumber to cover it. Funding put both on the road before the first month billed.”
Sal D. · commercial plumber · Sacramento, CA
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Plumbing Crews
Jetters & Camera Rigs, Financed
Equipment financing puts a hydro-jetter or camera-and-locator rig back on the truck in days, with the gear as collateral, so your cash stays free for parts and payroll.
Add the Second Truck Without Draining Cash
Every service van you put on the road is billable calls you're turning away today. Finance the van and the upfit, keep your reserves, and let the new route revenue carry the payment instead of your operating account.
Carry the Rough-In Until the Builder Pays
A commercial rough-in needs copper, PEX, and fixtures upfront while the builder's draw sits 30 to 60 days out. A line or a working-capital advance carries materials and crew so you start on schedule and the holdback never touches payroll.
Staff Up for Recurring Contracts
A working line funds the truck and licensed-plumber hire a recurring maintenance contract takes before its first invoice, so steady revenue replaces the 2 a.m. scramble.
Match Your Situation
The Cash-Flow Gaps We Fund for Plumbers
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Jetter/camera breakdown | Main equipment fails mid-job; subbing it out runs $2K/day | Equipment Financing | $75K–$150K | 3–5 days |
| Rough-in material float | Copper and PEX needed before the builder pays | Working Capital | $75K–$200K | 1–3 days |
| Parts inventory gap | Supply-house credit maxed, jobs backing up | Business LOC | $75K–$150K | 1–5 days |
| Multi-location contract ramp | Restaurant chain wants 4 locations, pays per completion | Working Capital | $75K–$250K | 1–3 days |
| Slow-pay commercial GC | Progress billing sitting at net-60, payroll still due | Invoice Factoring | $75K–$300K | 1–2 days |
The Products
How Plumbing Financing Is Structured
Most plumbing files fund between $75K and $5M+, structured to the job in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Parts, payroll, emergency repairs | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 3yr–7yr | Jetters, camera rigs, service vans | 3–7 days | Equipment serves as collateral |
| Business LOC | $75K–$5M+ | Revolving | Parts inventory and rough-in materials | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Slow-paying commercial/GC billings | 1–2 days | Invoices secure the line, no PG typically |
Tax Strategy
Section 179 on a Service Van and Jetter Rig — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Plumbing money is in the emergency and the recurring contract — the 2 a.m. call and the building that keeps you on retainer. A $55K van and jetter rig turns a one-truck operation into a business that takes both. Put a fraction down, carry the balance, and the full $55K comes off this year's taxes. The truck that answers the call and answers your tax bill, same year.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a plumber file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Plumbing Contractor Financing
Plumbing Is an Emergency Business
Here's the thing — plumbing is an emergency business, but your bank treats you like you're applying for a mortgage. Your jetter costs $28K. Your camera system is another $12K. And when a $200K new-construction package lands, rough-in materials are $50K before the builder cuts the first check. You can't wait 6 weeks for a bank to figure that out.
One Application, 70+ Lenders
We fund plumbers — residential service, commercial, new construction, drain specialists — in as little as 24 hours. One application. 70+ lenders. Soft-pull review. We've funded jetters, camera rigs, service vans, pipe liners, and $50K material advances for rough-in packages. If you're subbing out $2K/day in work because your equipment is down, every day you wait costs you real money.
Common Questions
Plumber Financing — Questions, Answered
Equipment financing for plumbing equipment — jetters, camera systems, pipe-lining rigs, service vans — runs from $75K to $5M+ with the equipment as collateral over terms of 3 to 7 years. Larger lines are available when revenue, cash flow, and story qualify.
Yes. Vehicle and equipment financing covers service vans, box trucks, and specialty vehicles. Typical terms run 3 to 7 years with the vehicle as collateral, and the down payment depends on your credit profile.
Working capital funds as fast as same day — 24 hours is typical. If you need cash for materials, payroll, or emergency equipment repairs immediately, working capital is the fastest product available.
No. Soft credit pull only — zero FICO impact.
Yes. Working capital or a line funds materials and crew so you can mobilize before the first progress draw, then repay as the draws come in — many plumbers carry $50K–$140K on a single commercial job. Funded in days on a soft-pull review.
Yes. A line of credit smooths the gap on property-management and commercial maintenance agreements, so you can put a second truck and another licensed plumber on payroll before the first month bills.
Recommended Funding
The Products That Fit Plumber Work
Equipment Financing →
Finance jetters, camera systems, and service vans — the equipment is the collateral.
Working Capital Loans →
Cover parts inventory, emergency repairs, and payroll between residential and commercial jobs.
Business Line of Credit →
Draw for rough-in materials, repay when the builder pays each phase.
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