— Plumbing business funding
Funding That Keeps Pace With the Work
You buy the materials, do the work, and stand behind it — often long before the invoice gets paid. Zip helps plumbing businesses keep cash moving while the receivables catch up.
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
01 — The gap
Why plumbing business funding?
You spend money to do the job. You get paid for it later. Four places that gap opens up.
Materials fronted on every job
Copper, PVC, water heaters, fixtures — you pay the supply house before the customer pays you. On a busy week that’s real money out the door ahead of anything coming in.
Emergency work, unpredictable timing
A main backs up at 11pm and someone has to go. Taking the call is how you keep the customer for the next twenty years — but it puts a truck, a tech and parts out before anyone talks about an invoice.
Commercial receivables lag
The property manager signs off, the GC approves it, and then you wait on 30, 60, sometimes 90-day terms. Your suppliers and your crew keep their own schedule.
Fleet, tools and licensed crew
A camera rig or jetter pays for itself, but not on day one. Neither does the licensed plumber you want on payroll before the work shows up to justify him.
02 — Common uses
Common funding uses in plumbing
Bulk materials and fixture inventory
Capital to stock pipe, fittings, water heaters and fixtures at volume rather than job by job.
Bridging commercial jobs
Funding to cover the stretch between finishing commercial work and getting paid for it.
Payroll for licensed plumbers
Capital to keep licensed techs paid between billing cycles instead of losing them to a competitor.
Service vehicles and specialized equipment
Funding for another van, plus the camera and jetting rigs that let you quote the work others refer out.
Larger commercial or new-construction contracts
Capital for the upfront outlay on a multi-unit rough-in or a contract that pays on draws.
03 — How it works
How it works
01
See if you qualify
A short set of questions about your plumbing business — straightforward, and no obligation to move forward.
02
Talk to a specialist
One person reviews your situation and walks you through the funding options that fit how your jobs and receivables actually run.
03
Access your funding
Once approved, funds are made available to put to work — materials, payroll, vehicles, or the next contract.
Typical minimum: $10K+ in monthly business deposits. That’s a general starting point for fit rather than an automatic qualification — Zip works with established plumbing businesses, and every business is reviewed individually.
04 — Proof
What owners say
Business owners rate working with a Zip specialist across every trade we serve.
$400M+ funded across 6,700+ businesses since 2013 — one specialist to a file, start to finish.
08 — FAQ
Plumbing funding FAQ
On this page
How do plumbing companies finance materials and inventory?
Most established plumbing businesses use working capital rather than draining the operating account every time a job needs stocking. Zip helps you access funding you can put toward copper, PVC, fixtures and valves now, and repay as the jobs those materials went into get paid.
Can I get funding while waiting on commercial invoices?
Yes — that timing gap is one of the most common reasons plumbing owners come to us. Work finished and signed off with payment on 30, 60 or 90-day terms is a receivables lag, not a revenue problem, and it is a standard reason to arrange funding so the next job can start on schedule.
How much funding can a plumbing business qualify for?
Funding is available from $10,000 up to $1 million. The $1 million figure is the ceiling of the range rather than a typical amount — the actual amount available depends on your business and its qualification, and it’s set with your specialist rather than quoted as a single number.
Do I need perfect credit?
No. Credit is one part of the picture, not the whole of it. A specialist reviews how your plumbing business actually performs — deposit history, the mix of service and commercial work, how your receivables move — rather than reducing your file to a single score.
What can the funds be used for?
Operating needs across the business: bulk materials and fixture inventory, bridging commercial jobs while invoices are outstanding, payroll for licensed plumbers between billing cycles, service vehicles and specialized equipment, and the upfront outlay on larger commercial or new-construction contracts. Your specialist walks through your intended use with you.
You already fronted the job. Don't wait on the invoice to take the next one.
Materials bought, work signed off, payment sitting on someone else’s terms. Keep the trucks rolling and the crew paid while the receivables catch up.
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