HVAC and plumbing
Funding built for how this industry actually earns.
Seasonality, thin credit and irregular deposits are not disqualifiers here. They are the normal shape of a working business.
We fund our own deals, and we know when not to
Foretrust underwrites and funds with its own capital, so decisions are ours to make. When a file needs a product we do not offer, we place it with a vetted partner rather than forcing a fit.
Revenue based funding
Capital today against the revenue your business is already producing. Remittance can flex with your card sales or run as a fixed ACH against total deposits, whichever fits how money actually reaches you.
Business line of credit
Draw what you need, pay only on what you use, and reuse the line as you repay. The right tool for recurring gaps in working capital rather than one large purchase.
Term loans, SBA and equipment
Some files need a product outside our box. We place those with vetted partners, introduce you directly, and stay involved through closing rather than handing you off.
Compare funding options with clear information
Three steps, and none of them involve a branch visit
Traditional lenders take weeks to tell you no. We use your actual revenue, not a credit committee, and we tell you where you stand the same day.
Apply in under ten minutes
A short form covering your business, time in operation and monthly revenue. No tax returns, no business plan, no personal guarantee upfront.
Send three months of statements
Upload them securely or connect your bank read-only. This is the only underwriting document we need to make a decision.
Review terms and get funded
You see the full cost, the remittance schedule and the term before you sign anything. Approved files fund the same or next business day.
Questions worth asking before you take capital
What is revenue based funding, exactly?
It is a purchase of your future receivables, not a loan. You receive capital today and remit an agreed portion of your revenue until the purchased amount is delivered. Because it is a sale rather than a loan, it carries a factor rate rather than an interest rate, and it is not reported as debt in the way a term loan is. Some states classify this as sales-based financing, and we disclose it that way where required.
How is the cost calculated?
Your funded amount is multiplied by a factor rate to produce the total remittance. $50,000 funded at a factor of 1.30 means $65,000 remitted in total. The cost is fixed at signing and does not increase if repayment takes longer than projected.
What do you actually need from me?
A completed application and your three most recent months of business bank statements. For larger requests we may ask for a fourth month, a voided check and proof of ownership. We do not require tax returns or a business plan.
Does applying affect my credit?
Reviewing your options does not. We pull a soft inquiry to assess the file. A hard inquiry only occurs if you accept an offer and proceed to funding, and we tell you before it happens.
Can I qualify with bad credit or existing funding?
Often, yes. Approval weights deposit consistency and time in business more heavily than credit score. Existing positions are not automatically disqualifying, though they affect the amount and the terms available to you.
What happens if my sales drop?
On a percentage-based structure, your remittance drops with them. On a fixed ACH structure, contact us before a payment fails. Reconciliation is available on most files and we would rather adjust the schedule than watch an account default.
Find out what you qualify for today
Ten minutes to apply, three months of statements, an answer the same day.
Start my application