HVAC & plumbing financing
Funding for HVAC and plumbing companies.
Buy a competitor, add trucks, or smooth out seasonal cash flow. We work with lenders who understand service contracts and the busy and slow seasons.
Check my options →Acquisition
SBA 7(a) for buying an established shop and its customer base.
Vehicles & equipment
Service vans, trucks, tools and diagnostic gear.
Working capital
Payroll, inventory and large jobs before the invoice is paid.
Underwriting
What lenders look at
Have these ready and your file moves faster.
- ✓Recurring revenue from maintenance agreements
- ✓Seasonality and how cash flow holds up in slow months
- ✓Licensed technicians and key-person risk
- ✓Receivables from commercial customers
Common questions
Can I use an SBA loan to buy an HVAC or plumbing business?+
Yes. Service businesses with steady cash flow are a good fit for SBA 7(a) acquisition loans. Lenders will look closely at whether customers and technicians stay after the sale.
Can I finance service vans?+
Yes. Vehicles and equipment are usually financed with the vehicle as collateral, often with a smaller down payment than a business loan.
What helps with seasonal cash flow?+
A business line of credit or working capital loan lets you draw in slow months and pay down when work picks up.
Ready to see your options?
Get funded →