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 arranges the right tool, equipment financing for vans and tools, receivables financing for slow-paying commercial jobs, a line of credit for seasonal swings, or fast revenue-based funding on your schedule.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
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. A line of credit lets you draw only when you need it, and revenue-based repayment adjusts with your daily revenue.
- 02
Large Equipment and Vehicle Costs
Service vans, diagnostic equipment, HVAC units, and specialty tools represent significant capital. Equipment financing or leasing keeps that cost off your operating cash, and when a bank wants 2+ years of returns you don't have, fast funding lands in 24-48 hours.
- 03
Payroll Before Job Completion
Large commercial jobs can take 30-90 days from completion to final payment. Your techs need to be paid weekly. Receivables financing advances against the invoice, or a line of credit bridges the gap, between job completion and client payment.
- 04
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 you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Service Vehicles
Finance or lease a van or truck for a growing service territory, or fund one fast when you can't wait on a bank.
Tools and Diagnostic Equipment
Equipment financing for 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.
Typical Funding Range
$15K-$300K
How to Qualify
Trade contractors typically qualify with 6+ months in business and $20K+ in monthly bank deposits. We match the structure to the job, equipment financing for a new van, receivables financing on commercial invoices, a line of credit for seasonal gaps, or revenue-based funding for speed. Seasonal revenue patterns are accounted for, we look at your peak months, not just your slowest.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Every structure we can place
Two businesses in the same industry rarely need the same product. An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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