Financing for Plumbers
Fast, Flexible Business Financing for Plumbing Companies
Running a plumbing business means staying ready for every job, every emergency call, and every growth opportunity. Whether you need working capital for payroll, equipment, vans, tools, inventory, marketing, or expansion, ARF Financial provides financing solutions designed to help plumbing businesses move forward with confidence. From independent plumbers to growing multi-crew operations, we help business owners access the capital they need to keep work flowing and revenue growing. Use financing to help your plumbing business:
Why Plumbing Businesses Are a Strong Fit
Plumbing services remain essential in nearly every economy. Homeowners, businesses, property managers, and commercial facilities all depend on plumbers for urgent repairs, maintenance, upgrades, and code-related work. That makes plumbing companies well-positioned to generate ongoing demand and recurring revenue.
When opportunities come in fast, access to funding can help you take on more jobs, serve more customers, and grow without delay.
Financing Built for the Real Needs of Plumbers
Plumbing contractors often need capital quickly to keep jobs moving and operations running smoothly. ARF Financial understands the realities of service-based businesses and offers financing options that can help you respond to day-to-day needs as well as long-term growth plans.
Whether you are buying equipment, covering labor costs, or preparing for busy season demand, we make it easier to secure the funding your business needs.
Size Matters!
Larger Loan Amounts, Longer Terms & Big Rewards
You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below.:
What Makes ARF Financial Different?
Since 2001, ARF Financial has helped thousands of salon and spa owners secure over a billion dollars in loan proceeds! The financing we provide is a true bank loan not a merchant cash advance, which means rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. ARF has forged exclusive relationships with community banks across the country, so you can obtain the funds you need quickly with limited paperwork. It’s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You’ll receive the funds quickly, with fixed terms and affordable payments that won’t increase as revenue grows – maximizing your return on investment without sacrificing your cash flow.
The Difference is Insight
Strengthen Your Bottom Line
ARF can help you pamper your customers while strengthening your bottom line by providing the funds to expand, renovate, or adding new services. Our expertise in financing for plumbers allows us to analyze your business needs, risks, and opportunities, and perfectly tailor one of our industry-leading loan products for your specific needs and circumstances. Update your equipment and facilities, seize an opportunity for growth, or overcome that financial hurdle that’s holding you back.
Capitalize On New Opportunities
Regardless of what your future holds, ARF Financial can help you capitalize on your business’s potential, even if conventional banks won’t consider it. Our loan products give you fast access to amounts from $5,000 to $1 million, all without the obstacles traditional bank loans often have. We can offer same day approvals and a low-documentation application process.
Minimum Qualifications
Industry Type
We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list.
Credit Score
We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 575 or higher.
Time in Business
Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).
Annual Sales
Your business must generate a minimum of $17,000 per month in gross sales ($200,000 annually) from both credit card and cash.
How to Apply for Financing for Plumbers?
If you own a plumbing company and are looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process.
Our Unique Loan Products
Bankroll – Revolving Line of Credit
Your business is always evolving. Wouldn’t it be great to have a loan product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!
Interest-Only Flex Pay Loan
We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s Interest-Only Flex Pay Loan it doesn’t. It allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And, it also carries an optional Line of Credit with unlimited draws for up to a year!
Lines of Credit
With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, you will be ready. It gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw additional funds as needed and only pay for what you use!
Flex Pay Loans
Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!
What Our Customers Are Saying
Quick & Easy Online Application
