Capital that moves at the speed of your job site
Equipment, payroll, materials, and bonding capital for HVAC, plumbing, electrical, roofing, landscaping, and general contracting businesses.
Funding for trades, hvac & contractors
Skilled trades and contractors operate with brutal working capital demands. You front materials, payroll, and equipment for a 60-day job, then wait another 30–90 days for the GC or homeowner to pay. One large project can put a profitable company in a cash crisis.
Fine Point Lending matches HVAC contractors, plumbers, electricians, roofers, landscapers, general contractors, and specialty trades with lenders who understand project-based revenue and finance it accordingly — fast working capital for materials, equipment loans on trucks and tools, SBA financing for acquisitions, and lines of credit to keep crews moving.
Challenges we solve for
Materials and payroll up front
Big jobs eat capital before the first invoice goes out. A line of credit or working capital advance bridges the gap.
Equipment-heavy operations
Service vans, excavators, lifts, compressors, and tooling can be financed on the asset, preserving cash for operations.
Seasonal swings
HVAC peaks in summer, landscaping ends in winter, roofing slows in storms. Lenders who understand seasonality structure terms accordingly.
Bidding bigger work
Bonding, mobilization capital, and stronger balance sheets unlock larger commercial bids.
Loan products best suited for this industry
Working Capital Advance
Fast capital for materials, payroll, and mobilization on new jobs.
Learn more about Working Capital Advance →Business Line of Credit
Revolving funds drawn against new contracts and paid down when invoices clear.
Learn more about Business Line of Credit →Equipment Financing
Service vans, excavators, lifts, generators, HVAC install equipment — financed on the equipment itself.
SBA 7(a) Loan
Acquire a competitor, buy out a partner, or finance a yard purchase with long-term, low-cost capital.
Learn more about SBA 7(a) Loan →Invoice Factoring
For commercial trades with reliable GCs or property managers as customers — get paid on invoices in 24 hours.
Qualifications at a glance
- Time in business
- 6+ months for working capital · 2+ years for SBA
- Minimum monthly revenue
- $15,000+ for working capital · $30,000+ for term debt
- Personal credit score
- 550+ for working capital · 650+ for SBA
- Documents commonly requested
- License, recent project list, AR aging, bank statements, equipment quote (for equipment loans)
Common use cases
Material draw on a new commercial job
Working capital advance funded against the contract or recent deposits.
Adding a service van or excavator
Equipment financing with $0–10% down, terms matching the vehicle's life.
Buying out a partner
SBA 7(a) buy-in financing with long amortization to preserve cash flow.
Storm response or surge work
Quick line draw to staff up, buy materials, and chase emergency demand.
"We needed equipment financing fast to take on a major contract. Fine Point had three offers on the table within 36 hours."
Marcus B., HVAC Contractor (TX) — $185K Equipment Loan