Business funding for HVAC, plumbing, and electrical contractors.
Capital for trucks, equipment, payroll between jobs, and seasonal cash crunches — built for trades. Available in all 50 states. Decisions in 24 hours.
Built for HVAC, plumbing, and electrical contractors. Built for speed.
Trade contractors run on truck-and-equipment capex, customer payments that arrive when they arrive, and seasonal swings that compress 70% of revenue into a few months. ShopFunders funds HVAC, plumbing, electrical, and other trade contractors with capital sized to how service-call revenue actually flows.
Decisions in 24 hours
Submit before noon, get a decision by end of day. Most banks take weeks — we commit to 24 hours, every time.
No collateral, no PG
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Industry-specific structures
Repayment sized to how trade revenue actually flows — heavier in peak season.
Capital that solves real trade contractor problems.
Trade Contractor Owners face the cost of trucks and equipment, payroll between job completions, slow customer payments, and seasonal cash swings. Our funding is built for that — fast capital you can deploy for service trucks, equipment, hiring ramps, payroll between jobs, marketing pushes, or seasonal cash bridges.
Three steps. Zero runaround.
Apply in 2 minutes
Tell us about your trade contractor and how much capital you need. No credit check to apply.
Decision in 24 hours
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Funded in 24–72 hours
Sign your term sheet, send your bank statements, and capital lands in your business account.
Real owners. Real reviews.
"Literally the best. The team at ShopFunder are professional and second to none when it comes to meeting or exceeding expectations."
"ShopFunder is A1! Helped so much!"
HVAC, Plumbing & Electrical Contractors funding FAQ.
Do you fund residential and commercial trades?
Can I use this for a service truck?
How does repayment work with seasonal swings?
What's the minimum monthly revenue?
HVAC, Plumbing & Electrical Contractors funding in all 50 states.
We fund HVAC, plumbing, and electrical contractors anywhere in the U.S. Pick your state to see local funding details, common use cases, and underwriting criteria.
Capital that moves at your speed.
Apply in about 2 minutes. No collateral. No credit impact to apply. Decision in 24 hours.
Apply Now →$25K–$2M+/month · No collateral · Funds in 24–72 hrs
How home services funding actually works
Home services scale with trucks and technicians: every van you add is a route, every tech is capacity, and demand arrives in seasonal wavesthat don't consult your bank balance. Marketing spend has to lead revenue, and equipment failures never schedule themselves.
Working capital funds hiring, marketing, and payroll through the ramp; equipment capital puts trucks on the road and tools in them. Both repay from ongoing service revenue.
What owners qualify for
Most home-service companies qualify for $10,000 to $2,000,000 based on monthly revenue — typically 3+ months in business and roughly $10,000+ per month. Recent business bank statements are all it takes to start, decisions arrive in about 24 hours, and funds typically land within 24–72 hours of accepting.