Plumbing business financing
Get $5,000 to $10 million to add service vans, buy equipment or cover the wait on commercial payments, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Plumbing financing options at a glance.
Service calls pay when the job’s done, while builders and property managers pay on their own schedule. The right option depends on what you’re buying and how long you’ll wait to be paid.
Small Business Term Loans
- Best for
- Crews and materials to take on a new-construction or commercial contract
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Supply-house bills and payroll between builder draws and slow-paying accounts
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Service vans, sewer cameras, jetters and trenchless rigs
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Invoice Financing
- Best for
- Invoices to builders and property managers who pay on 30- to 60-day terms
- Repayment term
- Per invoice, when your customer pays
- Min. credit score
- 500+
Working Capital
- Best for
- Materials for one big job, or a quiet stretch before the busy season
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
How plumbing business financing works.
Most plumbing companies do two kinds of work. Service calls pay when the job’s done; new construction and commercial accounts pay weeks later, on the builder’s or the property manager’s schedule. Financing covers the supply bills and payroll in between, and pays for the equipment that brings in more work.
You apply online in minutes. Our team reviews your application and brings you the options that fit your business. We look at your revenue, deposits and time in business, not just your credit score.
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Choosing the right option. A van or a jetter suits equipment financing, secured by the equipment itself. Supply bills and payroll that rise and fall suit a line of credit. Invoices to builders and property managers suit invoice financing.
What we look at. Your recent deposits, your time in business and your credit. Tell us which accounts pay on terms, since it explains the timing.
What it costs. Prices vary by lender and by business. Compare offers by what you’ll receive, each payment and the total you’ll repay, in dollars.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Plumbing financing for every situation.
A busy stretch in plumbing means paying for labor and parts before you’re paid.
The first hard freeze
A freeze brings in many burst-pipe calls at once. A line of credit covers overtime and parts while the calls come in, and is repaid as they’re paid.
A camera or a jetter
Drain and sewer work pays well and needs the right gear. Equipment financing spreads the cost over the years the equipment brings in jobs.
A property manager wants you on call for every building it runs. More plumbers and another van come first, and invoice financing covers the weeks until its invoices pay.
What plumbing contractors use financing for.
Service vans
Another van, shelved and stocked, for the plumber you hire next.
Cameras and leak detection
Sewer cameras and locators that find the problem before anyone digs.
Jetting and trenchless gear
Jetters and pipe-bursting rigs that open up higher-value work.
Pipe, fittings and fixtures
Bought in volume, with the supply-house account paid on time.
Licensed plumbers and apprentices
Hiring ahead of demand, and paying them while new accounts ramp up.
Freeze and storm season
Overtime, parts and extra hands when emergency calls go up.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit consistency and time in business. A plumbing company with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
How do you look at a plumbing company’s cash flow?
Through your business bank statements. Service work shows up as steady deposits and commercial work as larger, later ones, and both count. If some accounts pay on terms, tell us which; it explains the timing.
Our emergency work is uneven. Does that matter?
Busy weeks after a freeze or a storm are normal in plumbing, and we read them alongside your quieter months.
Can a van or a jetter be financed on its own?
Yes. Equipment financing covers single pieces such as a service van, a sewer camera or a jetter trailer, new or used, up to 90% of their value, with the equipment itself as collateral. You’ll need a quote from the seller.
How much can a plumbing business get?
From $5,000 to $10 million. The amount rests on your monthly revenue, your time in business and your credit, and on what the money is for: equipment financing covers up to 90% of the equipment’s value, and invoice financing up to 90% of what builders and property managers owe you.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.