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Plumbing Funding · 2026

Plumbing Contractor Funding

Capital built for plumbing contractors — finance equipment, cover payroll between draws, and take on bigger jobs, funded in as little as 24 hours.

Short answer: Plumbing contractors use funding to buy service vans, hydro-jetters, pipe-inspection cameras, and excavators, cover crew payroll and materials while waiting on progress draws, mobilize on new jobs, and take on larger contracts. Funded Contractor Capital provides $25,000 to $5,000,000, approves on revenue (FICO 500+), and funds in as little as 24 hours — underwritten on your bank deposits, not the contract.

What plumbing contractors fund

Common uses of capital for plumbing contractors. All available through Funded Contractor Capital.

Use of fundsTypical amountExample
Equipment & tools$10K – $500KFinance a hydro-jetter and service vans
Payroll & materials$25K – $1MRough-in a multi-unit job while waiting to get paid
Job mobilization$25K – $500KStart the next plumbing job before it pays
Growth / bigger contracts$50K – $5MScale to larger projects and more crews

Why plumbing contractors choose us

  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; approval on revenue
  • Finance equipment with the gear as collateral
  • Funds in as little as 24 hours
  • Repay as fixed payments or a share of deposits
  • No tax returns — just 3 months of bank statements

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Can plumbing contractors finance equipment?
Yes. A hydro-jetter and other plumbing equipment can be financed with the gear itself as collateral, and FICO 500+ is accepted because approval leans on revenue.
Can I get plumbing contractor funding with bad credit?
Yes — FICO 500+ can qualify. Approval is weighted toward monthly revenue and bank-deposit consistency rather than credit score, so bank turndowns are common approvals here.
How do plumbing contractors cover payroll between draws?
Working capital or a bridge covers crew payroll and materials now and is repaid when the progress draw or payment lands — underwritten on your deposits, not the contract.
How fast can I get funded?
Most contractors fund within 24 hours of approval; smaller amounts can fund the same day. The application takes about 5 minutes with a soft credit pull.
How much can I qualify for?
Amounts scale with revenue, from $25,000 up to $5,000,000 for high-revenue contractors.

Fund your plumbing business

Apply in 5 minutes with a soft credit pull. Get the capital your crews need, funded fast.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.