Vans, jetters and cash flow for growing plumbing companies
Service vans, hydro-jetters, sewer cameras and trenchless rigs, plus working capital for parts, payroll and slow-paying commercial jobs. One application, new or used equipment, any vendor.
Plumbing equipment we finance
A stocked van and the right drain and sewer equipment decide how many calls a tech can close in a day. These are the items plumbers finance with us most.
Rough price ranges for plumbing equipment
| Equipment | Typical new price |
|---|---|
| Upfitted service van | $55,000 – $90,000 |
| Sewer inspection camera | $5,000 – $20,000 |
| Trailer hydro-jetter | $30,000 – $80,000 |
| Truck-mounted jetter | $80,000 – $200,000+ |
| Trenchless pipe bursting or lining system | $50,000 – $150,000+ |
| Mini excavator | $40,000 – $90,000 |
Estimates only, not quotes. Used equipment can be financed the same way.
Which funding fits which plumbing problem
| The problem | Best fit | Why |
|---|---|---|
| Adding a van or a jetter | Equipment financing or lease | Lowest cost. The equipment is the collateral, with fixed payments up to 72 months. |
| Stocking parts and water heaters | Business line of credit | Draw for inventory, repay as jobs pay, and use it again. |
| Waiting on commercial or new-construction invoices | Invoice factoring | Cash on completed invoices now instead of in 30–90 days. |
| Hiring techs or opening a new service area | Working capital or term loan | Fixed payments over 12–24 months while new techs ramp up. |
| Need cash in 24–48 hours | Revenue-based advance | Fastest, but the most expensive. Short gaps only. |
Straight talk: a van you'll run for years belongs on equipment financing, not on a cash advance or a credit card.
Funding explained, in plain English
Funding your equipment.
Your trusted source for business capital.
Why plumbers finance with us
What it takes to qualify
- Active business entity and plumbing contractor's license where required
- Personal guaranty from all owners (corp-only available for established companies)
- Minimum 650 credit score for startups (pre-revenue or under 2 years in business)
- No bankruptcies in the last 7 years
- No unresolved tax liens
- 3–4 months of bank statements for working capital
See where you stand with the approval indicator.
From one truck to a real shop
Most plumbing companies start as one licensed plumber and one van. The jump to three or four techs is where cash gets tight: more vans, more parts inventory and payroll every week while commercial customers pay in 30 to 60 days. Finance the vans, keep a line of credit for parts, and add drain and sewer equipment early, since jetting and camera work usually pay better than service calls.
From application to funding
- Apply in minutesOne application covers vans, equipment and working capital.
- Send documentsA dealer quote, or 3–4 months of bank statements for working capital.
- Review your offersOften by the next day, side by side, with every payment shown.
- Get fundedWorking capital in as little as 24–48 hours; equipment usually 1–5 days after signing.
Plumbing business financing questions
Can a new plumbing company get financing?
Yes. Startups are considered for van and equipment financing with strong personal credit, usually with a down payment. Working capital programs typically need at least 6 months of deposits.
Can I finance a used service van?
Yes. Used vans and equipment from dealers, private sellers and auctions can be financed, as long as the vehicle or equipment and seller can be verified.
Can I finance several vans at once?
Yes. One approval can cover multiple vans as they are delivered, from different dealers, combined into one monthly payment.
Do you finance hydro-jetters and sewer cameras?
Yes. Jetters, sewer cameras, locators, trenchless systems and excavation equipment can be leased or financed alone or bundled with a truck.
How much can I get on the application alone?
Up to about $250,000 for equipment with a one-page application, depending on credit and time in business. Larger amounts, up to $5,000,000, need financial statements.
What's the best way to pay for parts inventory?
A business line of credit usually fits best: draw for inventory and repay as jobs pay. It costs less than a cash advance and can be reused.
Ready to put another van on the road?
One application for vans, equipment and working capital. Soft pull to pre-qualify, no obligation.
Equipment prices shown are general estimates, not quotes. All financing subject to credit approval; rates and terms vary by credit, time in business and product. NMLS #2009539 · CA DFPI #60-DBO49692.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in crane and boom truck and equipment financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
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Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
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Get Funds
Money will be deposited in your account in as little as 24 hours.