Working capital, built for hvac / plumbing business

Be ready when the first heat wave hits

The first heat wave hits, calls triple overnight, and you need trucks stocked and crews staffed before you've collected on a single job.

We review on service and install deposits with seasonal demand swings expected — no credit-only decisions.

Seasonal spikes understood
Service & install crews
Deposits over credit score

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Seasonal spikes understoodService & install crewsDeposits over credit score

Sound familiar?

The heat wave hits. You collect on the jobs weeks later.

When demand spikes, the costs land first — trucks, parts, and crews all need covering before a single invoice is paid.

The first heat wave triples your calls, but you need units and parts stocked before you've collected on a single job.

With capital in place, you stock for the rush up front and capture the season instead of turning calls away.

Another truck would let you run a second crew, but the down payment competes with the jobs you're already covering.

With working capital ready, you add capacity for peak season without starving day-to-day operations.

Busy season means more techs on payroll weeks before the install checks clear.

With a cushion in place, you staff up for the rush and keep crews paid while the receivables catch up.

You may qualify on your service and install deposits, seasonal swings included. No obligation, and any payments are built to fit your cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly deposits. Four questions for a live range and readiness. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What hvac / plumbing business owners use working capital for

Trucks & equipment

Add or repair service trucks and field equipment.

Parts for peak season

Stock parts and units ahead of summer and winter rushes.

Staff up

Add crews for busy season and keep techs paid.

Expand territory

Grow into new territory or add a crew.

Generate service calls

Bring in jobs with local and digital ads.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Seasonal demand

Peak-season spikes are expected, not penalized.

Service vs install

The mix and consistency of service and install deposits.

Time & call volume

Operating history and steady job flow strengthen the file.

We factor the seasonal demand swings common to HVAC and plumbing.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time in business: 6+ months operating
Time in business: Brand new / under 3 months
Monthly deposits: Service + install revenue
Monthly deposits: One-season or sparse jobs
Bank activity: Holds between peaks
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

My revenue spikes seasonally — is that a problem?

No. Seasonal demand is expected in HVAC and plumbing. Underwriting reviews your deposits across the year, so peaks and dips are read in context.

Can I fund parts and staffing before peak season?

Yes — stocking parts and staffing up ahead of a rush are common uses. Amounts depend on underwriting and your deposit history.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.