Plumbing and HVAC businesses need reliable funding for equipment, vehicles, and working capital during seasonal slowdowns.
Plumbing and HVAC contractors face a uniquely seasonal and cash-flow-intensive business. You need service vehicles, expensive tools, and equipment to respond to emergency calls — often before you've been paid for previous jobs. The industry runs on tight margins, and the gap between paying for labor and materials and receiving client payment can be fatal to cash flow. GrowthX Capital has funded hundreds of plumbing and HVAC businesses across Canada and the US, and we understand your industry's rhythms: the busy summer months for HVAC, the year-round demands of plumbing, and the emergency calls that can't wait for a slow-paying insurance company.
Whether you need to finance a new service truck, purchase inventory and parts for a busy season, or bridge the gap between insurance payouts and payroll, we have a product designed for your situation. Revenue-based financing is particularly well-suited to HVAC businesses with strong summer seasons, while a line of credit provides the emergency buffer that every service contractor needs.
Yes. We finance commercial vehicles and service trucks as part of our equipment financing product. The vehicle serves as collateral, making approval accessible for businesses that might not qualify for unsecured loans.
Not at all. In fact, our revenue-based financing product is specifically designed for seasonal businesses — your repayments automatically adjust with your seasonal revenue, so you're never over-extended during slow months.
Yes. We finance all HVAC equipment including commercial refrigeration, heating systems, cooling units, and the specialized tools of the trade. We understand the values and useful lives of these assets.
For existing customers with an established relationship, same-day funding is often available. New customers typically receive approval within 24–48 hours of complete documentation.
Absolutely. Many of our HVAC and plumbing clients use a combination — for example, an equipment loan for vehicles plus a line of credit for ongoing working capital needs.
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