$10,000 – $500,000 · Funded in 24–48 hours · Cover pipe and fixtures upfront · Bridge the gap between jobs and payment
Materials go out the door before draws come in. Commercial jobs run 45–90 days to first payment. The pipe can't wait.
Copper pipe, PVC, fixtures, and fittings go on your card or your credit line before the GC pays the draw. Commercial plumbing jobs routinely run 45–90 days to first payment. The materials can't wait.
Residential emergency calls pay fast, but commercial plumbing contracts are slow. If your mix shifts toward commercial, your cash flow gaps get bigger even when your revenue is growing.
Pipe cameras, hydro-jetters, commercial-grade drain equipment, and work trucks run $20,000–$120,000. Replacing or adding equipment without cash reserves means turning down jobs.
We match Texas plumbing contractors with the right product for their situation, whether you need to cover materials this week or add a piece of equipment.
Cover materials, labor, and overhead while commercial customers process payment. Fixed daily or weekly payments based on your revenue history.
Fast material cash when a job needs to start this week and the draw hasn't cleared. Repaid as a percentage of daily deposits, so payments flex with your revenue.
Pipe cameras, hydro-jetters, service vans, and commercial plumbing tools financed separately from your working capital. The equipment serves as collateral.
Draw for materials on each job, pay back as the invoice clears. Draw again on the next job. Only pay for what you use.
Repayment tied to revenue, so slow months don't create a fixed payment crunch. When commercial draws are slow, your payment adjusts.
The four factors lenders actually weigh.
Three Texas plumbing contractors, three different situations, one common thread: cash flow was the problem, not the business.
A commercial plumbing contractor in Houston had three active jobs running simultaneously. The GCs were all on 60-day payment terms. Owner needed cash to keep all three crews stocked with materials and on schedule. Funded in 2 days.
A plumbing company in Spring needed a hydro-jetter and pipe camera to start bidding sewer lateral work for commercial properties. The equipment served as collateral, and the financing closed in 4 days without touching their working capital line.
A residential and light commercial plumber in Sugar Land won a multi-unit condo plumbing contract. Materials for the rough-in phase totaled $28,000 and were needed before the first draw. MCA funded in 28 hours.
Banks have boxes they need you to fit. Plumbing contractors often don't fit. Here's what they flag and what we look at instead.
Plumbing revenue is project-based. It spikes on commercial starts and dips between them. Banks see that variability and flag it.
We average trailing months and look at job pipeline, not just last month's deposits. Plumbing revenue patterns are normal to us.
Most plumbing contractors don't own commercial real estate. Banks need collateral they can put a lien on, and tools and vans rarely qualify.
Working capital loans and MCAs use your revenue history as security. No property required. Equipment financing uses the equipment itself as collateral.
Most banks require 680 or above for a business loan. A plumbing contractor with $60K a month in revenue gets turned down because of a 610 score.
Plumbing contractors can qualify at 560+ credit. Some MCA products work lower if revenue is consistent. Bank statements matter more than your credit score.
Takes 60 seconds. No credit impact. A funding specialist contacts you within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your plumbing business funding options.
Takes 60 seconds. No cost to apply.
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