HVAC, Plumbing & Electrical Financing
Capital for Service Vans, Tools, Equipment & Inventory
APPLY ONLINEYour business information is kept private and reviewed directly — not distributed to multiple lenders.
Financing Built for the Trades
A short look at how HVAC, plumbing, and electrical contractors use a line of credit to buy equipment, stock inventory, and handle seasonal cash flow without draining the operating account.
How We're Different
Work With One Advisor Who Understands the Trades
Most online funding platforms push your numbers out to a dozen lenders at once, and the phone doesn't stop ringing for weeks. We take a different route: one advisor reads your statements, understands how seasonal demand, emergency calls, and net-30 commercial contracts affect your cash flow, and takes your file to the lender that actually fits.
We don't offer a one loan fits all solution - we identify the financing that best fits your business, cash flow and growth plans.
- You work directly with one advisor from start to finish
- Your business information is not blasted out to multiple lenders
- We evaluate your operation and match you with the best-fit lender
Our goal is not to create noise.
It's to help your service business secure the right financing with the right partner.
Ready to Take Your Service Business to the Next Level?
When Opportunity Knocks, Be Ready.
- •Been turned down by a bank that doesn't understand seasonal trade income?
- •Your service van is aging out and a reliable replacement would cut downtime and fuel costs.
- •You need HVAC units, plumbing equipment, or electrical diagnostic tools before the busy season starts.
- •Inventory and parts sit on the shelf while customers pay on net-30 or longer terms.
- •A big commercial contract is available but you need payroll and materials upfront.
- •Marketing, additional technicians, or a second location could help you capture more calls.
- •Growth Deserves the Right Financial Partner.
We specialize in helping HVAC, plumbing, and electrical contractors secure a working business line of credit.
*No documentation needed at this time. This is just a quick assessment.
Size Does Matter For Growth!
Larger Loan Amounts, Longer Terms & Big Rewards
When you're comparing service trade financing, SIZE DOES MATTER! A service van, a full equipment package, or the deposit and improvements behind a second location all take real money up front — more than a merchant cash advance was ever designed to carry. We can help you get a business line of credit with terms up to 36 months to fund those projects while keeping your costs low.
Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Bigger amounts let you invest where it grows revenue, and longer terms keep the payment small enough that it never competes with payroll or parts purchases.
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.
Industry-Leading Loan Products for Service Providers
We don't offer a one loan fits all solution - we identify the financing that best fits your business, cash flow and growth plans.
BANKROLL
Ultimate Revolving Line of Credit
Service trade cash flow is seasonal and unpredictable — emergency calls in January, slow summers, and big commercial jobs that pay net-30. BANKROLL provides maximum loan approval, fixed terms up to 36 months, and fixed weekly payments, plus the flexibility to pay down or draw funds on an unlimited basis — whether you're buying a new service van, stocking HVAC units, or bridging a slow month.
IO-BANKROLL
Interest-Only Revolving Line of Credit
All the great benefits of Bankroll coupled with an interest-only period of up to 1 year. Owners can enjoy unlimited draws and partial principal paydowns — and only pay the interest for up to a year. A strong fit for a shop expansion, a fleet addition, or a major equipment purchase that needs time to start producing ROI before full payments begin.
How the Process Works
Apply in About Ten Minutes
Basic business and owner details plus your last three months of bank statements. No hard credit pull, no obligation.
One Advisor Reviews It
Jonicki Capital reads your file personally, asks about your equipment needs, seasonal patterns, and growth plans — then identifies the right structure.
Fund and Grow
We introduce you to the single lender that fits your operation best. Most close a loan or open a line of credit within about a week.
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.
Service Provider Financing Advantages
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.
Frequently Asked Questions
Common questions from HVAC, plumbing, and electrical contractors about loans, lines of credit, and how funding works.
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.
Not Sure Where to Start?
Pick the path that fits where you are right now. Both options connect you directly with Jonicki Capital.
Explore Your Options
See what financing options you may qualify for with just a few questions. No documents are needed to get started.
Ready to Apply?
Already know you're ready to move forward? Complete our secure application and provide your three most recent business bank statements so we can get to work.
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.