Quarrymoor Financial, a small-business funding service in Kingman, Arizona, arranges funding for plumbing and HVAC contractors through partners: service van and equipment financing, parts and unit inventory, lines of credit for call spikes and term loans to buy a plumbing business. Mohave County, AZ had 102 plumbing, heating and AC contractor employers in 2023 (CBP). Partners make credit decisions and set rates and terms.
| Plumbing, heating and AC employer locations, Mohave County, AZ | 730 on payroll at 102 employer sites (CBP count, 2023) |
|---|---|
| Plumbing and HVAC firms with fewer than five employees | 54.9% (CBP 2023) |
| Plumbing and HVAC businesses with no paid employees | 110 with no payroll at all (NES count, 2024, NAICS 23822) |
| Annual payroll, plumbing and HVAC employers | $42.5 million of payroll across 2023 (CBP) |
Service work, install work and the cash between
A plumbing or HVAC company is often a service business and an install business sharing one yard. Service and repair calls are paid quickly, often by card on completion. Installation and new-construction work is billed in stages and paid on a GC's or builder's schedule. The service side funds the parts and wages; the install side ties up money in equipment, condensers, water heaters and ductwork until the job pays.
Service agreements, where customers pay a recurring fee for maintenance visits, add predictable revenue that partners like to see in the records.
Plumbing equipment financing options and service vans
A stocked service van is the core asset. Equipment financing covers the van, shelving, a drain-cleaning machine, camera inspection gear, a jetter, recovery machines and a vacuum pump. Many partners finance vans and trucks as equipment with the vehicle as security. Upfitting is a soft cost; list it on the quote.
Working capital for an HVAC business when calls spike
When service calls jump, firms add technicians, overtime and parts before the extra revenue settles. A business line of credit handles that pattern well: draw for wages and parts, repay as invoices clear. For a single dated gap, such as payroll during a large commercial install, working capital fits. The evidence for this site does not track month-by-month demand in Mohave County, AZ, so your own records are the guide to when spikes happen.
HVAC business financing for units and parts stock
Install work often means ordering condensers, furnaces or water heaters before the customer pays. Some suppliers offer terms; when they do not, inventory financing or a line can carry the units. Partners look at how quickly installs are billed and collected.
How to buy a plumbing business with its trucks and service agreements
Buying an established plumbing or HVAC company means buying its trucks, its tools, its service agreements and its reputation. Partners usually want the seller's tax returns and financial statements, a vehicle and equipment list, the customer and service-agreement records and the buyer's experience and license status. Plumbing contractor business loans for a purchase are generally term loans; the vehicles may be financed separately.
Items a partner tends to request
- Bank and card statements showing service and install deposits
- Maintenance-agreement income, where the firm has it
- Vehicle and equipment list with existing liens
- Open install contracts and their payment terms
- Years in business, plus the owner's credit file
An illustration with invented numbers
A Kingman, AZ HVAC firm with three technicians adds a fourth for a busy stretch. Wages and van costs for the new technician run about $8,200 a month, and he generates roughly $14,500 a month in billed work, paid on average 20 days after the call. The firm needs about one month of his costs covered before his revenue starts arriving, so a draw of around $8,000 on a line, repaid over the following two months, matches the need. Every figure is invented.
Questions a plumbing or HVAC owner should ask first
- Will the van payment start before the new technician is billing?
- Does the equipment agreement include upfitting, or only the vehicle?
- Can the credit line be drawn for parts and wages alike?
- What happens to the line if a large install pays late?
These come down to timing. A request that shows when each new cost starts and when the revenue it supports arrives is far easier for a partner to read than one that only names a total.
Plumbing contractor business loans: preparing the file
A plumbing or HVAC request is easier to review when the firm's two businesses, service calls and contract installs, are shown separately. Service revenue arrives daily by card or check; install revenue arrives in stages from builders and general contractors. Partners like to see which one would repay the funding.
- Split twelve months of revenue into service and install, even roughly
- List service or maintenance agreements with their renewal months and monthly value
- List each truck and van with year, mileage and any lien
- Gather supplier statements for equipment and parts accounts
- Attach the contract and billing schedule for any large install job behind the request
From the census figures, our arithmetic: plumbing and HVAC employers in Mohave County, AZ paid about $58,200 per employee in 2023 (County Business Patterns). The 110 no-payroll plumbing and HVAC businesses averaged about $81,400 in receipts each in 2024 (Nonemployer Statistics receipts divided by establishments, our arithmetic), a separate count that is not combined with the employer figures.
Plumbing and HVAC counts for Mohave County, AZ from the Census Bureau
| Measure | Value | Source |
|---|---|---|
| Employer establishments | 102 | County Business Patterns 2023, NAICS 238220 |
| Paid employees | 730 | CBP 2023, pay period including March 12 |
| Annual payroll | $42.5 million | CBP 2023 |
| Locations below five employees | 54.9% (56) | CBP 2023 |
| Establishments with a ZIP 86401 address | 9 | ZIP Business Patterns 2023 (USPS ZIP area, not city limits) |
| No-payroll businesses (counted separately) | 110, receipts $9.0 million | Nonemployer Statistics 2024, NAICS 23822 (separate program; not added to CBP) |
Plumbing and HVAC employers in the county averaged about seven employees per establishment in 2023 (our arithmetic from 730 employees across 102 establishments, CBP), and 54.9% had fewer than five. Nine had a ZIP 86401 address. The parent page on contractor business loans in Kingman, AZ covers draws and retainage, and the page of Kingman, AZ business figures has the county overview.
By Quarrymoor Financial · Updated
