This Is Why You're Here
Why Plumbers Come to Us Instead of Their Bank
Your main jetter broke on a $40K commercial drain job. Replacement is $28K. Every day without it costs you $2K in subbed-out work.
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.
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.
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.
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.
Had a $200K new-construction package and needed $50K in rough-in materials in 10 days. Bank said 6 weeks. Basecamp got me funded in 48 hours.
Carlos M., Plumbing Contractor, Tampa, FL
Plumber Financing
Get Your Plumber Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Plumber Businesses Choose Basecamp
Emergency Calls Can't Wait on Banks
Your jetter breaks on a $40K drain job and every day without it costs $2K in subbed-out work. We fund replacements in 48 hours so you stop bleeding revenue.
Second Van Pays for Itself
You're turning away 3 service calls a day because you only have one van on the road. A $45K van financed this week adds $8K/month in new revenue. The math is obvious.
Parts Inventory Without the Cash Drain
Your parts house credit is maxed at $15K but you need $30K in fittings, valves, and copper to keep up with demand. A line of credit keeps your shelves stocked.
New-Construction Float Covered
Rough-in materials on a $200K plumbing package cost $50K upfront. The builder pays per phase over 4 months. We bridge that gap so you don't skip the bid.
Bobby's Take
Bobby's Playbook for Plumber
Most plumbing contractors walk into a bank and get evaluated against a 5-year operating-history checklist — not the service-call recurring revenue plus residential-and-commercial new-construction backlog they actually have right now. Lenders who specialize in plumbing contractors look at the work in front of you, not the work behind you. They underwrite your emergency-call repeat-revenue and homeowner-financing attach rate. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a plumbing contractor transaction closes: average ticket size and service-contract attach rate, residential versus commercial revenue mix, and your dispatch capacity. Not your personal FICO. Not your time in business. Specialist plumbing contractor lenders care about whether your monthly recurring service revenue supports a $1,200-$2,500/month payment — and whether your dispatch capacity proves you can absorb truck and tool capacity without leaving calls unanswered.
The biggest mistake plumbing contractors make: applying without separating recurring service-contract revenue from one-off emergency-call revenue. The lender sees mixed deposits and underwrites to the one-off variability. The fix: produce a service-contract roster showing monthly recurring-service revenue. Specialist plumbing contractor lenders price service-contract revenue as the most predictable recurring revenue. Generalist lenders see all home-services revenue as transactional.
service revenue lost without truck capacity
Where this gets interesting at scale: a plumbing contractor adding a service truck, expanding into hydronic or commercial plumbing, or buying a yard doesn't need ONE loan. They need equipment financing for the new truck and tools + a working capital line for parts inventory and seasonal payroll + sometimes a SBA 7(a) for the yard or warehouse. Three products, three lenders, one application — that's how single-truck plumbing shops scale into multi-truck commercial-and-residential operations.
The plumbing contractors who scale fastest aren't the ones who waited until the next big remodel quote was signed before adding truck capacity. They're the ones who had a second service truck ready when call volume crossed the threshold where a single dispatch couldn't keep pace. Every quarter you delay adding capacity is $20,000-$50,000 in service revenue going to competing shops with faster response times. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your plumbing business this week.
Bottom line:
Plumbing contractors get priced on one-off emergency calls when recurring service-contract revenue is the predictable base. Show the contract roster — that's how a specialist sees recurring B2C income generalists miss.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Plumbers Face
Pricing Transparency
What Plumber Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Plumbers
Finance the equipment. Keep your cash. Take the deduction. Your service van costs $33,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your trade, current jobs, and bid pipeline. No bonding docs yet.
Soft Credit Screen
We screen options with zero impact to your FICO or bonding capacity.
Construction-Specialty Lenders Compete
70+ lenders who underwrite GCs, electricians, plumbers, and concrete contractors review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through structures, draw schedules, and how each affects your bonding line.
Choose Your Offer, Sign, Get Funded
E-signature. Funds land in time to cover materials and crew before the first draw.
Plumber Capital Uses
What Plumber Businesses Use Funding For
Payroll & Operations
Bridge cash flow gaps. Keep crews paid when receivables run 30-60-90 days.
Job Mobilization
Fund upfront costs — materials, permits, equipment rental — before first draw.
Scale & Win Bigger Jobs
Take on larger contracts. Expand territories. Hire key staff.
AI & Technology
Drones, AI estimating, GPS fleet tracking, project management tools.
Equipment & Vehicles
Excavators, dump trucks, skid steers. Finance or lease — all established businesses.
Marketing & Branding
Truck wraps, websites, Google Ads. Build the brand that wins contracts.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your plumber business?
Your lender will require proof of general liability and workers' comp before funding equipment over $50K. Our sister company InsuranceService365.com binds contractor policies same-day across 29 states — so insurance never holds up your funding.
Don't Wait Until You Need Funding to Get Funded
GC payments are net-30/45/60 by industry default. The contractors who win on price are the ones with capital to mobilize before the first draw. The contractors who win on schedule funded BEFORE the job started — not after the supplier called about a past-due invoice. Pre-qualify when the bid pipeline is steady.
Ready?
See What Your Plumber Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Contractors Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Plumber Businesses
Working Capital
Bridge payroll and materials between draw payments. Fund in 24 hours.
Learn More →Equipment Financing
Finance excavators, trucks, and tools — the equipment is the collateral.
Learn More →Business Line of Credit
Draw for materials when you need them, repay when the GC pays.
Learn More →Invoice Factoring
Convert 30-90 day receivables into same-day cash.
Learn More →FAQs
Plumber Business Loan FAQs
Plumber Business Loans — $10K to $20M+
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.
We fund plumbers — residential service, commercial, new construction, drain specialists — in as little as 24 hours. One application hits 70+ lenders. Soft-pull pre-qual. I'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.
Stop Letting Slow GC Draws Park Your Crew. Get Your Plumber Business Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide