Industry Funding
Business Funding for HVAC, Plumbing & Electrical Contractors
Seasonal demand spikes, large job gaps, and equipment costs create cash flow volatility for trade contractors. Commera provides fast working capital on your schedule.
See If You Qualify →Soft credit pull · Approval in 2–4 hours · No fees to apply
The real problem
Why businesses in this industry use MCA
Bank financing moves on bank timelines. Your business doesn't.
Seasonal Revenue Spikes and Valleys
HVAC demand peaks in summer and winter. Plumbing and electrical can be unpredictable month-to-month. Payroll and overhead are fixed. MCA repayment adjusts with your daily revenue.
Large Equipment and Vehicle Costs
Service vans, diagnostic equipment, HVAC units, and specialty tools represent significant capital. Banks require 2+ years of returns and strong credit. MCA funds in 24–48 hours.
Payroll Before Job Completion
Large commercial jobs can take 30–90 days from completion to final payment. Your techs need to be paid weekly. MCA bridges the gap between job completion and client payment.
Scaling for a Large Contract
When you land a large commercial or property management contract, you need additional crew, equipment, and supplies immediately — before the first invoice is paid.
What businesses fund with Commera
Common uses for businesses in your industry.
Service Vehicles
Add a van or truck for a growing service territory without a lengthy equipment financing process.
Tools and Diagnostic Equipment
Diagnostic tools, testing equipment, and specialty tools for commercial work.
Seasonal Payroll Bridge
Keep technicians on payroll during slow seasons to avoid losing trained staff to competitors.
Parts and Supply Inventory
Buy commonly-used parts and HVAC units in bulk at lower cost before season hits.
Crew Expansion for a Large Contract
Hire and onboard additional technicians before the revenue from a new contract arrives.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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