Best Plumbing Business Loans (2026)

The US plumbing industry is on track to hit $191.4 billion in revenue in 2026, growing at a 3.1% annual rate over the past five years, according to IBISWorld. That’s a reliable trade, but reliable demand doesn’t mean steady cash. The cost of fixtures, fittings and trims has jumped 28.4% since January 2021, according to the same IBISWorld report, and most plumbers have had to front those higher material costs before a job ever gets billed. A blown water heater install, a new service van or payroll during a slow month can all hit before a big invoice clears.

The right business loan covers that gap without you turning down work. Here are the best options for plumbing businesses in 2026, from fast working capital to interest-free microloans for newer shops.

Best plumbing business loans

• Best for fast funding with a low credit bar: Pinnacle Funding
• Best for large equipment and SBA amounts: Lendzi
• Best for comparing the most loan types in one place: Lendio business loans
• Best for comparing SBA and term loan options: Fundera business loans
• Best for interest-free microloans: Kiva business loans
• Best for a fast, self-service comparison: BusinessLoans.com
• Best for bad credit and flexible qualifying: Advance Funds Network
• Best for comparing loans alongside other financial products: Best Money

Finder Score	Loan amount	Loan term	APR
Best for fast funding with a low credit bar
9.9 Excellent Pinnacle Funding	9.9 Excellent	$10,000 – $5,000,000	6 to 24 months	Varies by loan type	Go to site View details Compare product selection Compare	loading	Why we like it Pinnacle Funding is a Brooklyn-based alternative lender built for businesses that don't fit a bank's credit box. It offers term loans and a business line of credit with a 525 minimum credit score and a soft credit check that won't affect your score. Plumbing businesses that need quick working capital for materials or payroll and don't want a hard credit pull may find this a good fit, though rates and fees aren't published on its website. Pros & cons Pros 525 minimum credit score Soft credit check only during the application Term loans can fund the same day; lines of credit can fund instantly Cons APR, fees and repayment terms aren't listed on its website Line of credit tops out at $150,000 Only offers term loans and a line of credit — no SBA loans or equipment financing
Best for large equipment and SBA amounts
9.5 Excellent Lendzi	9.5 Excellent	$5,000 – $20,000,000	6 months to 25 years	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Lendzi is a Los Angeles-based marketplace with a network of more than 60 lending partners, built for business owners who want a single application to compare a wide range of products, from term loans to equipment financing to SBA loans. For a plumbing business investing in a new fleet vehicle or larger equipment, Lendzi's published term loan rate range and amount give more upfront pricing detail than most marketplaces on this list. Pros & cons Pros Network of more than 60 lending partners No hard credit check to get a quote Funding possible in as little as 24 hours for some products Cons Doesn't publish rate ranges for most of its other loan products Term loans require a minimum of one year in business Doesn't detail its own security or data-privacy practices on its website
Best for comparing the most loan types in one place
9.6 Excellent Lendio business loans	9.6 Excellent	$1,000 – $10,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Lendio is one of the largest small business loan marketplaces, connecting borrowers with more than 75 lenders across 11 loan products through a single 15-minute application. That range matters for plumbing businesses since your financing needs might shift from a line of credit for slow months to equipment financing for a new van to an SBA loan for expansion, Lendio can surface offers across all of them. Pros & cons Pros Network of more than 75 lenders across 11 loan products Soft credit check for the initial application Free to use — Lendio is paid a fee by the lender when you're funded Cons Rates, terms and fees depend entirely on which lender you're matched with Some loan products, like SBA and commercial real estate loans, can take weeks to fund Lendio shares your information with its lender network, so expect follow-up calls
Best for comparing SBA and term loan options
9.5 Excellent Fundera business loans	9.5 Excellent	$2,500 – $5,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Fundera, now part of NerdWallet, is a marketplace rather than a direct lender, matching plumbing business owners with a curated group of lending partners through one application. It runs a soft credit check up front, so comparing offers won't ding your score, and its site notes that some of its lenders work with credit scores as low as 500. It's a solid stop if you want to see SBA, term loan and line of credit offers side by side before formally applying anywhere. Pros & cons Pros Soft credit check only for the initial match No fee charged to borrowers — Fundera is paid by the lender Access to SBA loans, term loans, lines of credit, equipment financing and more Cons Works with a smaller pool of lending partners than some competitors Doesn't publish its own rate ranges since terms depend on the matched lender Options narrow for true startups, though its own site notes some lenders will work with businesses as young as three months
Best for interest-free microloans
7.4 Great Kiva business loans	7.4 Great	$1,000 – $15,000	6 months to 3 years	0%	Go to site View details Compare product selection Compare	loading	Why we like it Kiva is a nonprofit crowdfunding platform, not a traditional lender, and it's the only pick on this list with a true 0% interest rate. If you're a newer or very small plumbing operation that needs a small amount to buy tools, a used van or a starter inventory of pipe and fittings, Kiva lets you crowdfund that amount from friends, family and a global network of individual lenders with no interest and no fees. The tradeoff is time and effort: you have to build your own funding campaign, and the process can take a month or more from application to disbursement. Pros & cons Pros 0% interest and no fees of any kind No minimum credit score, revenue or time in business Optional credit reporting to Experian Business and Dun & Bradstreet Cons Caps out at $15,000 Full process can take 30 to 60 days or more Requires recruiting your own network of lenders before going public
Best for a fast, self-service comparison
8.8 Great BusinessLoans.com	8.8 Great	$10,000 – $3,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it BusinessLoans.com pairs plumbing business owners with up to five funding partners after a three-minute questionnaire, with no hard credit check to see offers. It's built for self-service: you answer a handful of questions about revenue, time in business and credit range, then compare recommendations without talking to a loan specialist unless you want to. Pros & cons Pros Get matched with up to five funding partners No credit impact to see initial offers Funding possible in as little as 24 hours through some partners Cons Doesn't publish loan amounts, rates or fees on its website Doesn't list which lenders are in its network Customer service contact details aren't easy to find on the site
Best for bad credit and flexible qualifying
9.6 Excellent Advance Funds Network	9.6 Excellent	$10,000 – $5,000,000	6–18 months	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Advance Funds Network (AFN) has been funding small businesses since 2008 and works with a wide range of credit profiles. Its credit score minimum depends on the product: 500 for its line of credit and merchant cash advance, 550 for its term loan. That makes it a reasonable option for plumbing businesses that have the revenue but not the credit history a bank wants. Revenue requirements also vary by product, so check which one fits before applying. Pros & cons Pros Credit score minimums as low as 500 for its line of credit and MCA No prepayment penalty, with incentives for paying off early Same-day funding available in some cases Cons Specific APRs and fees aren't listed on its website Term loans require a 550 credit score and $400,000 in minimum annual revenue Real estate, gambling and a handful of other industries aren't eligible
Best for comparing loans alongside other financial products
8.9 Great Best Money	8.9 Great	$5,000 – $5,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Best Money is a comparison platform rather than a lender, letting you look at business loan offers next to personal loans, business credit cards and other financing in one place. If you're a plumbing business owner still deciding between a loan and a business credit card, or want to research a specific partner's reviews before applying, it's a useful starting point rather than a funding source itself. Pros & cons Pros Compares business loans against other financing types in one place Includes lender reviews to help vet a partner before applying Free to use, with no impact on your credit to browse Cons Not a lender or marketplace — you'll still apply directly with whichever partner you choose Doesn't publish its own rates or loan amounts since it isn't originating loans Business loan coverage is less deep than a dedicated business loan marketplace

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How we chose these lenders

We looked at each lender or marketplace’s own website for credit score minimums, revenue requirements, loan amounts, APRs and fees. To judge fit for plumbing businesses specifically, we weighed each pick against the profile of a typical plumbing operation: revenue and credit requirements low enough for a solo operator or small crew to qualify, loan sizes that match common plumbing costs like a service vehicle or equipment upgrade, and repayment structures that can flex around seasonal or job-to-job cash flow. We also checked BBB accreditation and Trustpilot sentiment for each pick. Lenders and marketplaces that don’t disclose specific rates or amounts on their own websites are noted as such rather than filled in with third-party estimates.

How to compare plumbing business loans

Before picking a lender, weigh these factors against your business’s cash flow and timeline:

• Total cost, not just the headline rate. Factor rates, origination fees and prepayment penalties can matter more than the advertised APR
• Repayment schedule. Daily or weekly repayment (common with MCAs) hits cash flow differently than a single monthly payment
• Funding speed. A burst pipe emergency and a planned fleet upgrade have very different timelines
• Collateral requirements. Equipment financing is typically self-secured, while unsecured term loans may require a personal guarantee
• Eligibility fit. Minimum credit score, time in business and monthly revenue vary widely between direct lenders and marketplaces

What is a plumbing business loan?

A plumbing business loan is any financing product used to cover the costs specific to running a plumbing company — service vehicles, tools, materials, payroll between jobs or expansion into new service areas. There’s no single “plumbing loan” product; instead, plumbing businesses use the same range of small business financing everyone else does, matched to their specific need. A working capital loan covers day-to-day cash flow gaps, while equipment financing is better suited to a new van or diagnostic camera, and an SBA loan makes sense for a larger, longer-term investment like a second location.

Pros and cons of plumbing business loans

Weigh these before you borrow:

Compare other plumbing business loans

7 of 7 results

Updated regularly

Finder Score	Min. Amount	Max. Amount	APR	Requirements
Promoted 9.9 Excellent Pinnacle Funding	9.9 Excellent	$10,000	$5,000,000	Varies by loan type	525 credit score, 6+months in business, $180,000+ annual revenue	Apply in minutes with funding as fast as 24 hours and zero impact to your credit score.	Go to siteView details Compare product selection Compare	loading
Promoted 9.6 Excellent Lendio business loans	9.6 Excellent	$1,000	$10,000,000	Varies by lender	Operate business in US for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteView details Compare product selection Compare	loading
Promoted 8.8 Great Fora Financial business loans	8.8 Great	$5,000	$1,500,000	Factor rate of 1.05-1.5	6+ months in business, $240K+ annual revenue, 570 minimum credit score	Get approval decision for funding in minutes for up to $1,500,000 without affecting your credit score. Best for companies seeking large business loans.	Go to siteView details Compare product selection Compare	loading
9.5 Excellent Lendzi	9.5 Excellent	$5,000	$20,000,000	Varies by lender	Minimum credit score of 500, minimum annual revenue of $120,000, preferably one to two years in business	Compare lending options and get funded fast.	Go to siteView details Compare product selection Compare	loading
9.5 Excellent Fundera business loans	9.5 Excellent	$2,500	$5,000,000	Varies by lender	$60,000+ of annual revenue, 600+ personal credit score, in business for 6+ months	Get connected with short-term funding, SBA loans, lines of credit and more.	Go to siteView details Compare product selection Compare	loading
8.8 Great PayPal LoanBuilder	8.8 Great	$5,000	$300,000	Fixed fee (amount not disclosed)	Minimum credit score not disclosed, 9+ months in business, at least $33,300 in annual revenue	Go to siteView details Compare product selection Compare	loading
8.9 Great Best Money	8.9 Great	$5,000	$5,000,000	Varies by lender	Depends on the lender	Apply in minutes. Get funded fast.	Go to siteView details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Types of plumbing business loans

Here’s a quick look at how the main loan types stack up for a plumbing business:

How to qualify for a plumbing business loan

Requirements vary by lender and loan type, but plumbing businesses generally need:

• A minimum credit score, ranging from around 500 for alternative lenders to more than 650 for banks and SBA loans
• A minimum time in business, often six months to two years depending on the lender
• Proof of consistent monthly or annual revenue
• Recent business bank statements
• A business bank account separate from personal finances

How to apply for a plumbing business loan

1. Check your credit and gather documents. Pull your personal and business credit reports and have recent bank statements ready
2. Decide which loan type fits your need. A cash flow gap calls for a different product than a vehicle purchase
3. Compare offers. Apply through a marketplace like Lendio or Fundera to see multiple offers with one soft credit check, or apply directly with a lender like Pinnacle Funding or AFN
4. Review and accept terms. Read the APR, fees and repayment schedule closely before signing

Alternatives to plumbing business loans

• Business credit cards. Useful for smaller, recurring purchases like materials or fuel, and some offer 0% introductory APR periods.
• Invoice factoring. Sell unpaid commercial invoices for immediate cash if your plumbing business does net-30 or net-60 work for larger clients.
• CDFIs and microloans. Community development financial institutions and programs like Kiva or the SBA Microloan program can work for newer or credit-challenged plumbing businesses.
• Grants. Some local and trade-specific grants exist for small contractors, though funding amounts are typically modest and competitive.
• Equipment leasing. An alternative to equipment financing if you’d rather not own the asset outright.

Frequently asked questions

• Can a new plumbing business get a loan?

  Yes, though options narrow. Kiva has no time-in-business requirement, and some alternative lenders and marketplaces will work with businesses as young as six months, though usually at higher rates than an established business would qualify for.

• Do I need collateral for a plumbing business loan?

  Not always. Unsecured term loans and lines of credit typically don't require specific collateral, though many require a personal guarantee. Equipment financing is self-secured by the equipment itself.

• What credit score do I need for a plumbing business loan?

  It depends on the lender. Alternative lenders and marketplaces on this list state minimums as low as 500–525, while SBA loans and bank financing typically expect a credit score in the mid-600s or higher.

• How fast can a plumbing business get funded?

  Some lenders on this list, including Pinnacle Funding and Advance Funds Network, advertise same-day or instant funding for certain products. SBA loans and larger term loans typically take longer, from a few weeks to a couple of months.

To make sure you get accurate and helpful information, this guide has been edited by Richard Laycock as part of our fact-checking process.

Written by

Megan B. Shepherd

Editor, Loans & Insurance

Megan B. Shepherd is a personal finance expert and editor for loans and insurance at Finder. Her personal finance expertise has been featured on Forbes, Nasdaq, MediaFeed, Fox News, Time, Reviews.com, and carinsurance.com, adding invaluable information related to personal loans, financial strategies and smart borrowing tactics. Megan graduated from the University of Texas at Dallas with a BS in Business Administration with an entrepreneurial focus. She's worked as a certified financial adviser and has earned certificates of completion from A.D. Banker & Company. See full bio

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Megan B. has written 122 Finder guides across topics including:

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