Business funding for HVAC and plumbing companies

How trades contractors get funded

The funding playbook for a service trade maps cleanly to how the business runs:

- Trucks and equipment: service vans, pipe machines, excavation attachments, recovery units, and diagnostic tools all fit equipment financing: $5K to $5M+, new or used, asset as collateral, 24-84 month terms, rates commonly ~7%-20%. Collateral makes these the most approvable deals when credit is imperfect. - Seasonal ramp: hiring techs and stocking parts ahead of summer or winter peaks fits a working capital loan ($5K-$500K): short money for a short cycle. - Commercial receivables: if you sub for GCs or serve property managers on terms, invoice factoring advances typically 70-90% of invoice value on completed work, underwritten on your customer's credit. - The everything cushion: a business line of credit ($10K-$250K+) handles material price spikes, warranty work, and payroll timing: interest accrues only on what you draw.

Standard minimums apply: roughly 3-6+ months in business and ~$10K+ monthly revenue, with revenue-based products accepting credit scores down to around 500-550.

HVAC and plumbing funding options Quordx Capital brokers

Equipment financing: Best for vans and trade equipment: let the asset carry the approval.

Working capital loan: Best for pre-season hiring and parts stocking.

A/R financing / invoice factoring: Best for commercial contractors waiting on GC payments.

Business line of credit: Best for material costs and payroll between job payments.

How Quordx Capital Works

It starts with one application, about 5 minutes, and the usual documents: bank statements, recent tax return, ID, entity papers. From there, Quordx Capital's matching process sorts the 50+ lender network down to your 3-7 best fits, ranked by approval probability, with decisions typically back in 24-48 hours and funding in 3-7 business days.

What to Expect

Expect lenders who get trade seasonality, a quiet shoulder season won't tank a file with strong peak deposits. If your credit history has dents, expect equipment-backed and invoice-backed structures to remain firmly available. You'll see every cost upfront, pay Quordx Capital nothing, and carry no obligation for asking.