Plumbing Business Loans
Burst pipes at 2 a.m. Supply bills Friday. Paid next month.
Get $5,000–$10,000,000 to add service vans, buy equipment, and cover the wait on commercial payments, funded in as little as 24 hours.
Simple, fast, and clear
How Plumbing Business Financing Works
Plumbing businesses carry costs the moment a job starts. Pipe and fittings are bought, crews are on the clock, and vans are on the road before a payment arrives. Residential service work turns over quickly. Commercial jobs and new construction subcontracts pay on the general contractor’s schedule, usually net-30 to net-60 or in draws tied to inspections. In practice: you win the rough-in on a 24-unit residential building, $140,000 paid in three draws. The first draw of $42,000 releases after the rough-in inspection, six weeks out. To start at full speed you need two more plumbers, $18,000 in pipe and fittings, and a van dedicated to the site, and your operating balance covers about half of it. The job is contracted and profitable. The timing is the problem. SBG Funding provides $5,000 to $10,000,000, with same-day decisions.
SBG Funding structures financing around how plumbing companies get paid. A business term loan sized to the mobilization cost puts the crew and materials on site from day one. A business line of credit revolves: draw for payroll and supplies while a draw or invoice works through the GC’s accounts payable, repay when it clears, and draw again on the next job. Invoice financing advances up to 90% of an outstanding commercial invoice, and equipment financing adds vans, sewer cameras and jetters without tying up working capital.
A bank underwrites against two years of filed financials and a 680 credit score, which is why a fully booked plumbing contractor waiting on three GC draws can still be declined. Banks are not built to underwrite against revenue that arrives in inspection-based draws, which means the companies with the most work under contract are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral, and we never perform a hard credit pull.
See How We Stack Up
Traditional Bank
Typical Online Lender
Won't affect your credit score.
Plumbing Financing for Every Situation
The right financing depends on what your business needs right now.
Waiting on a General Contractor’s Draw
Commercial plumbing and new construction subcontracts pay on the GC’s schedule, not yours. Draws release after inspections, and invoices sit on net-30 to net-60 terms, while payroll and supply houses want paying every week. A business line of credit or invoice financing covers the gap so your crew stays paid and the next job starts on time.
Adding a Van or Diagnostic Equipment
A stocked service van, a sewer inspection camera or a hydro-jetting unit adds billable capacity the day it arrives. Equipment financing covers the purchase with terms up to 60 months, secured by the equipment itself, so the new route or the drain jobs you used to turn away start paying for it while you keep your working capital.
Ramping Up for a New Construction Contract
Landing a multi-unit or commercial subcontract is a milestone and an immediate capital need. Materials, crew and equipment have to be on site before the first draw. A business term loan sized to the mobilization cost lets you start at full capacity and hold the schedule instead of phasing in as early draws clear.
What Plumbing Companies Use Business Loans For
Plumbing financing is flexible. Here are the most common ways plumbing contractors put it to work.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees.
SBG Funding evaluates more than 50 factors when making lending decisions, including revenue history, deposit consistency, and time in business. Plumbing businesses with strong cash flow may qualify even with an imperfect credit score.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
“Working with Nick Chalfen at SBG Funding was a great experience. He took the time to understand my business and found a funding solution that actually fit.”
$3B+
Funded since 2017
via Trustpilot
Very responsive, but not overly pushy. Brendan was professional and sourced a viable line of credit for me quickly.
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
He got the line of credit we needed. The process was efficient and stress-free.
85%
Approval rate
via Better Business Bureau
Within just 48 hours, we received funding for my business. His and the team’s remarkable response time and professionalism were truly impressive.
A
BBB rating
via Better Business Bureau
Very knowledgeable and made sure to understand our business needs to better help us.
4.9
Google rating
via Trustpilot
Great experience from start to finish with Aisha! Professional, responsive, and made funding process quick and easy.
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
Plumbing companies pay for jobs before they get paid for them. The most common reasons are: general contractors paying on net-30 to net-60 terms or in inspection-based draws; materials bought before a job starts; weekly payroll for licensed plumbers; emergency surges, such as frozen pipes in winter, that need extra crew and parts at once; and vans and equipment that add capacity before the revenue arrives. Working capital covers the gap between those costs and the payments.
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SBG Funding’s minimum FICO score is 500. Credit is one factor among many: strong revenue, consistent bank deposits and time in business can all support your application, so plumbing companies with credit challenges often qualify on their deposit history and job pipeline.
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After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
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No. SBG Funding’s plumbing business loans are unsecured, so you don’t pledge vans, tools or property. Equipment financing is the exception: the equipment you buy secures it, which is standard across the industry.
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Yes. Service vans are one of the most common uses of equipment financing for plumbing companies, with terms up to 60 months and the van as the only collateral. A business term loan also works if you want to fund the van together with other costs.
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Yes. Sewer inspection cameras, hydro-jetting units and leak detection equipment all qualify for equipment financing, with terms up to 60 months and the equipment as collateral.
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No. Draw-based and progress payments are normal in new construction, and we review your bank deposits as a pattern. Regular incoming draws and invoice payments, even on a slow cycle, show an active business, and a contracted pipeline supports your application.
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Yes. Covering payroll while job payments clear is one of the most common uses of a business line of credit for plumbing companies. Draw when payroll is due, repay as payments come in, and you only pay interest on what you draw.
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Yes. A business term loan sized to your mobilization costs (materials, added crew and equipment) lets you start at full capacity. Once you invoice, invoice financing can advance up to 90% of the outstanding amount while the job is still running.
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SBG Funding provides $5,000 to $10,000,000 across its products. A business line of credit runs from $5,000 to $500,000, and equipment financing is sized to the equipment. The amount you’re offered depends mainly on your monthly revenue and deposit history.
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Yes, if the business meets the baseline: $150,000+ in annual revenue, a 500+ FICO score and 6+ months in business. $150,000 a year is about $12,500 a month in deposits, which a busy owner-operator with a mix of service calls and a few commercial accounts can reach.
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To start, a 5-minute online application and your four most recent business bank statements. We don’t need tax returns or a business plan to make most decisions. Larger amounts and SBA 7(a) financing can require more, such as tax returns and financial statements, and your advisor will tell you exactly what before you send anything.
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Yes. Buying an established plumbing business brings its customers, vans and licensed staff with it. A business term loan can fund a smaller purchase, and SBA 7(a) financing, up to $5 million, is built for business acquisitions with longer terms. Your advisor will look at both businesses’ revenue and the purchase terms to match the right structure.
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Ready to Grow Your Plumbing Business?
Whether you need a van for a new route, materials for a new construction job, or cash to cover the wait on a GC’s payment, SBG Funding has plumbing financing built for how contractors get paid. Apply online in about 5 minutes. No collateral, no hard credit pull, no obligation.