Business funding for HVAC and plumbing companies
Business funding for HVAC and plumbing companies usually means three things: equipment financing for service trucks and tools, working capital for parts inventory and seasonal hiring, and invoice factoring when commercial GCs pay on net-30 to net-60 terms. The trades have a built-in tension: demand spikes (first heat wave, first freeze) arrive faster than cash does, and a truck down or a tech you couldn't hire is revenue handed to a competitor. Quordx Capital matches HVAC and plumbing contractors to trade-friendly lenders from a 50+ network, free, with one application.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
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.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
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