Plumbing Contractor Financing Nationwide for Plumbers, $10K to $5M
🔧 Financing Built for Plumbing ContractorsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Plumbing contractor financing funds what makes a plumbing business grow: more trucks, each one a rolling warehouse of fittings, fixtures and parts, plus the working capital to carry new-construction jobs that bill on slow draws. Your emergency and service calls pay on the spot, but every new van and every stocked shelf is cash out the door first. I match you to lenders who fund the fleet, the inventory and the slow receivables.
Plumbing Contractor Financing for Every Part of the Business
Whether you’re adding service trucks, stocking parts inventory, or carrying a new-construction job to closeout, there’s a path built for it. Here’s what plumbing contractor financing commonly covers.
Service Truck Fleet
Finance new and used service vans and trucks, each a rolling warehouse, with the vehicles themselves as collateral.
Parts and Fixture Inventory
A line of credit to stock fittings, fixtures, water heaters and parts across the fleet, draw as you restock.
Equipment and Machines
Finance jetters, camera systems, trenchers and excavators, the heavy gear that wins bigger service and repair work.
Factor New-Construction Invoices
Turn slow rough-in invoices from GCs and builders into cash now, underwritten on the customer’s credit.
Payroll on Construction Jobs
Carry crew payroll through new-construction work while you wait 45 to 60 days for the GC to release a draw.
Growth, Shop and Acquisition
Add crews and trucks to scale, own your shop and yard, fund a partner buy-in, or acquire another plumbing company.
A Plumber Added Three Trucks and Doubled His Service Calls in a Season
A growing plumbing company had more service calls than it could run, the demand was there, but each new truck meant a vehicle plus thousands of dollars in parts inventory to stock it, all cash out before the calls paid. The bank wanted years of history and hard collateral the business hadn’t built at that size.
They called me. I matched him to equipment financing on the three trucks plus a line of credit for parts inventory, with the vans as their own collateral. He stocked the new fleet, put crews on the extra calls, and the service revenue, which pays on the spot, covered the payments with room to spare.
That’s what the right match looks like for a plumbing contractor. Don’t Beg the Bank! Get funded instead.
How I Fund Plumbing Contractors, the Right Tool for Each Need
Plumbing contractor financing isn’t one product. The right structure depends on your fleet, inventory and billing. I match you to the one that fits, tap any to explore it.
Equipment and Fleet Financing
Service vans, trucks, jetters and camera systems, financed with the equipment as collateral.
See SBA 7(a)Business Line of Credit
Revolving cash to stock parts and inventory across the fleet, draw only what you need.
See line of creditSBA 504 and Real Estate
Own the yard or shop your business operates from with long-term, fixed-rate commercial real estate financing.
See SBA 504Invoice Factoring
Advance cash against slow GC and builder rough-in invoices, underwritten on the customer’s credit.
See invoice factoringWorking Capital
Working capital carries payroll on new-construction jobs while you wait on the GC draw.
See working capitalLine of Credit
Revolving capital to stock parts across the fleet, draw only what you need.
See lines of creditQualifying for Plumbing Contractor Financing
Plumbing contractor financing is built around real assets and real revenue. The trucks and equipment hold value as collateral, steady service work proves cash flow, and signed new-construction jobs prove backlog. So a plumbing company with a working fleet and decent credit has strong options, even when a bank balks at the inventory spend and slow draws. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating plumbing business with service revenue or signed jobs.
- ✔A working fleet and service revenue, the foundation a plumbing lender wants.
- ✔A working fleet and signed jobs a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Trucks and equipment are financed with the gear as collateral, so approvals are fast.
- →Factoring is underwritten on the GC’s or builder’s credit, not just yours.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Plumbing Contractor Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your plumbing contractor financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Plumbing Contractor Financing From My Desk
A snapshot of the plumbing contractor financing I match to lenders nationwide, truck by truck. Every plumbing company and job is different, yours starts with a conversation.
Plumbing Contractor Financing · Fleet
A plumber financed three service trucks plus a line for parts inventory to run more calls.
Invoice Factoring
A plumbing company factored 60-day rough-in invoices from a builder to keep crews on payroll.
Jetter and Camera
A shop financed a trailer jetter and pipe-inspection camera to win higher-margin drain and sewer work.
How I Match Plumbing Contractor Financing to the Right Lender
Most banks see a fleet, a pile of inventory and slow construction draws and freeze, but the lenders who understand the trades read your trucks and your service revenue correctly. I work with many, so I match your plumbing contractor financing to the lender that funds your real need, fleet, inventory, payroll or factoring, and I review the options with you before you commit.
Here’s the reality for a plumbing contractor. Growth is expensive before it pays. Every service truck you add is a vehicle plus thousands of dollars in fittings, fixtures, water heaters and parts to stock it, all cash out the door before that truck runs its first call. Your emergency and service work is the bright spot, it pays on the spot and carries strong margins, but new-construction rough-in jobs flip the script, making you front labor and material and then wait 45 to 60 days for the GC to release a draw. A traditional bank wants hard collateral and years of history and passes. The right lenders work differently: equipment financing puts the trucks and machines on their own collateral so cash stays free, a line of credit funds the parts inventory, and invoice factoring advances cash against slow construction invoices, underwritten substantially on the customer’s credit rather than yours. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of equipment, working-capital and expansion financing.
The right structure depends on what you’re doing. Adding trucks usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. Service vans, trucks, jetters and camera systems are best matched to equipment financing, where the equipment is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Buying out a competitor or a partner points to SBA 7(a) financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me about your fleet, your service-and-construction mix and where the squeeze is, trucks, inventory, payroll or slow invoices, and I’ll tell you honestly which plumbing contractor financing fits, match you to a lender who understands the trade, and stay with you through closing. Other trades, see my construction business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is plumbing contractor financing?
How do I finance more service trucks?
How do I cover payroll on slow new-construction jobs?
Can I finance jetters, cameras and heavy equipment?
How much plumbing contractor financing can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Plumbers
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Construction lending has its own specialist lenders who understand fleets, parts inventory and slow construction draws, and matching you to the right one, for trucks, inventory, working capital or factoring, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll freeze at a fleet and a warehouse of parts on the balance sheet. I match you to plumbing contractor financing built for the trade … finance the trucks with the vehicles as collateral, stock the parts inventory on a line, factor the slow construction invoices, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, fleet and job performance, collateral and structure. Plumbing contractor financing generally ranges from $10,000 to $5 million depending on fleet and need. *Equipment and factoring are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqfactoring underwritten substantially on the project owner’s or GC’s credit rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.