Vans and fleet
Add wrapped service vans, replace aging trucks, and upfit with pipe racks and inventory. Every new van is another tech earning.
Funding for business owners
Plumbing business funding & working capital for the shop that answers every call.
The phones ring, the dispatch board fills, and every job needs a stocked van and a licensed tech — today, not next month. If the banks didn’t understand service-business revenue and the brokers wasted your time, your search ends here.
Business-purpose funding. Subject to underwriting, verification, and program availability.
What are you funding?
Parts and fixtures inventory
Stock water heaters, fixtures, and fittings instead of running to the supply house mid-job. Buy in bulk at better pricing.
Techs and apprentices
Hire licensed techs and train apprentices — fund payroll while new trucks ramp up to full books.
Commercial contracts and growth
Float big commercial jobs, win service contracts, and fund the marketing that keeps residential calls coming.
Why plumbing shops work directly with Logic Advance
A direct funding partner, not a middleman
You deal directly with the Logic Advance team — the people who review your application and stand behind your funding. No being passed down the line to someone who doesn’t know the trades. If you’ve been bounced between banks and brokers, that ends today.
We understand how plumbing shops actually get paid
Emergency calls, service agreements, remodels, and commercial contracts don’t fit a bank’s template. We fund around a plumbing shop’s real cash flow — the jobs on your dispatch board and the revenue on its way.
Decisions in as little as 4 hours
A short application, a fast review, and funding as fast as same day. Simple, seamless, and built around your shop — not a bank’s calendar.
Three simple steps to funding
Step 1: Tell us what you need
A short application that takes minutes — no obligation, no endless paperwork. Just tell us about your business and what you’re planning.
Step 2: Get your decision fast
Our team reviews your application and you can have a decision in as little as 4 hours. You’ll know exactly what you qualify for before you need it.
Step 3: Get funded and get back to business
Funding as fast as same day — then it’s back to the calls, with new vans on the road, your techs paid, and your dispatch board full.
Compare plumbing business funding options
| Option | How it works |
|---|---|
| Equipment financing | An equipment financing option can suit service vans, jetters, and camera systems. |
| Business line of credit | A business line of credit may help float parts and payroll between big jobs, subject to available credit and account terms. |
| Term funding | A term funding option may fit a defined project such as acquiring a smaller shop or opening a second location. |
| Merchant cash advance | A merchant cash advance is a different funding structure based on future receivables — it funds your shop’s operations. |
Compare total cost, payment collection, and timing against your service revenue before deciding. The products available to your business depend on review.
Build a practical growth budget
Illustration: $45,000 for a service van, $20,000 in parts inventory, $20,000 for tech payroll, and $15,000 for marketing total $100,000. If the shop can contribute $25,000 without using essential operating cash, the remaining planning gap is $75,000 before financing fees or other costs. This is a budgeting example, not an offer.
Confirm what can be financed and what must be paid upfront. Keep service-call and contract revenue records organized so underwriting can see the revenue behind the request.
Starting requirements and documents
Logic’s published guidelines start at $25,000 in monthly business revenue. MCA and line-of-credit guidelines start at six months in business; equipment and term-funding guidelines start at one year. Credit requirements and additional conditions differ by product. Meeting a minimum does not guarantee approval.
Prepare a signed application and four recent, complete business bank statements.
List current funding or advances, remaining balances, and payment schedules.
Explain the amount requested, its business purpose, and your desired timing.
Have identification, ownership details, and any additional records ready when requested through the approved channel.
Review the current product requirements and our bank statement preparation guide.
Prepare the details behind your request
For vehicle and equipment requests, keep the dealer or vendor quotes available. For growth, prepare a hiring plan for the new techs. HVAC contractors and other home-service trades run on similar dispatch-driven economics — see those guides.
Compare the offer, not just the payment
Request the net amount your business will receive, total payment or remittance obligation, all fees, payment frequency, and expected duration. Review liens, guarantees, early-payment treatment, and any reconciliation provisions. A factor rate on an MCA is not APR.
Use our side-by-side funding offer guide and daily versus weekly payment guide to organize the details before deciding.
Explore other business funding guides
Browse all industry funding guides or compare funding products.
“Picture your shop with new vans on the road, your techs paid on time, and cash flow that never decides which calls you can answer.”
Apply Once, Then Get Back to Answering Every Call
A plumbing funding request starts with a short application that takes minutes, a signed application, and four recent, complete business bank statements. Add dealer or vendor quotes for vehicles and equipment, a list of any current funding with its remaining balances and payment schedules, and the amount, purpose, and desired timing behind the request. With a complete application, a plumbing shop can receive a decision in as little as 4 hours and funding as fast as same day, so the review judges the real shop: emergency calls, service agreements, remodels, and commercial contracts.
The sizing on this page is worked in plain numbers. A $45,000 service van, $20,000 in parts inventory, $20,000 for tech payroll, and $15,000 for marketing total $100,000, and after a $25,000 contribution the planning gap is $75,000. Request that gap, confirm what can be financed and what must be paid upfront, and keep essential operating cash intact. Many owners arrive here after banks did not understand service-business revenue or brokers wasted their time without answers. That search ends here. Picture new vans on the road, stocked shelves before the calls come in, and techs paid on time: the shop you set out to run, finally within reach.
Questions business owners ask
What is plumbing business funding?
Plumbing business funding is financing built around how shops operate — service vans, parts inventory, tech payroll, and the working capital to float commercial jobs. It can take the form of equipment financing, a business line of credit, term funding, or a merchant cash advance, depending on your project and what you qualify for.
What can a plumbing company use funding for?
Common uses include service vans and upfitting, parts and fixtures inventory, tech and apprentice payroll, jetters and camera equipment, commercial service contracts, and marketing that keeps residential calls coming.
Can funding help me win commercial service contracts?
Yes — commercial work often means net-30 or longer payment terms while you front labor and materials. Working capital lets you take on bigger contracts and float the gap between completing the work and getting paid.
How is Logic Advance different from a bank for plumbers?
Banks run on rigid templates and slow timelines that don’t understand dispatch-driven, job-based revenue. Logic Advance funds around your shop’s actual cash flow, with decisions in as little as 4 hours and funding as fast as same day — and you work directly with our team, not through a broker chain.
Do you fund residential and commercial plumbing shops?
Both. Residential service shops and commercial plumbing contractors with steady job flow and consistent revenue can apply. Discuss your mix of service, remodel, and contract work with the team.
How does funding help with emergency-call staffing?
Emergency and after-hours calls are high-margin work — but only if you have techs to answer. Funding covers the payroll and on-call coverage to capture that revenue instead of sending it to competitors.
What documents does a plumbing shop need to apply?
Prepare a signed application and four recent, complete business bank statements. For vehicles or equipment, add the dealer or vendor quotes. Additional records, identification, and ownership information may be requested. With a complete application, decisions can come in as little as 4 hours.
What happens after I apply for plumbing business funding?
After you apply, the Logic Advance team reviews your request using a signed application and four recent, complete business bank statements. Explain the amount requested, its business purpose, and your desired timing, and have identification, ownership details, and any additional records ready when requested through the approved channel. With a complete application, decisions can come in as little as 4 hours and funding can arrive as fast as same day.
How much plumbing funding should I request for a new service van and growth plan?
Use the budget example on this page: $45,000 for a service van, $20,000 in parts inventory, $20,000 for tech payroll, and $15,000 for marketing total $100,000. If the shop can contribute $25,000 without using essential operating cash, the remaining planning gap is $75,000 before financing fees or other costs. This is a budgeting example, not an offer, so confirm what can be financed and what must be paid upfront.
What revenue and time-in-business guidelines does a plumbing company need to meet?
Logic Advance published guidelines start at $25,000 in monthly business revenue. Merchant cash advance and line-of-credit guidelines start at six months in business, while equipment and term-funding guidelines start at one year. Credit requirements and additional conditions differ by product, and meeting a minimum does not guarantee approval, so keep service-call and contract revenue records organized so underwriting can see the revenue behind the request.
What should I check in a plumbing funding offer before I sign?
Request the net amount your shop will receive, the total payment or remittance obligation, all fees, the payment frequency, and the expected duration. Review liens, guarantees, early-payment treatment, and any reconciliation provisions, and compare total cost, payment collection, and timing against your service revenue before deciding. A factor rate on a merchant cash advance is not APR.
Can funding help my plumbing company get ready for winter pipe and freeze work?
Yes. Winter pipe and freeze work arrives as emergency calls, and a prepared shop can stock water heaters, fixtures, and fittings instead of running to the supply house mid-job, keep service vans ready, and fund the payroll and on-call coverage that emergency and after-hours calls require. Funding covers the staffing to capture that revenue instead of sending it to competitors.
Can I apply for plumbing business funding a second time as my shop grows?
Yes, a growing plumbing shop can apply again with a fresh request. Prepare an updated signed application and four recent, complete business bank statements, list current funding or advances with remaining balances and payment schedules, and explain the new amount, its business purpose, and your desired timing. Meeting a minimum does not guarantee approval, and the products available to your business depend on review.
Take the next step with Logic Advance
Picture your shop with new vans on the road, your techs paid on time, and cash flow that never decides which calls you can answer. That’s what working with a direct funding partner feels like. A short application, a decision in as little as 4 hours, and funding as fast as same day — simple and seamless from start to finish. Your search ends here — start your application now or talk with our team. No obligation.
Business-purpose funding. Subject to underwriting, verification, and program availability.
These pages explain funding considerations and starting guidelines, not a funding offer. Product availability, amounts, costs, security requirements, and timing depend on the specific program and your business.