Financing for HVAC, electrical & plumbing pros.
Front materials and labor without an MCA wrecking your cash flow — and bridge the gap until the client pays. Serving licensed trades across Louisiana and Texas.
We know how hvac, electrical & plumbing really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeYou front materials for months before payment.
The fair fixWorking capital that bridges the gap to getting paid.
The squeezeEquipment and trucks are expensive.
The fair fixFunding for tools, vans, and gear that grow your capacity.
The squeezeA daily-debit advance kills cash flow.
The fair fixFixed, manageable payments instead.
What hvac, electrical & plumbing owners use it for
Put the capital where it moves the needle most.
Materials & supplies
Trucks, tools & equipment
Payroll & subcontractors
Bridging slow-pay invoices
Marketing & lead generation
Office or shop expansion
What it takes to qualify
Most operators here use business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (some programs start lower)
- Equity or down payment — up to ~80% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your hvac, electrical & plumbing business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
