Best consumer financing providers for plumbers
6 consumer financing providers serve plumbers; 2 name plumbing explicitly and the rest serve all trades. The editor's pick is Wisetack. One publishes a starting price: $125 a month. 1 integrates with Jobber, 1 integrates with Housecall Pro and 1 integrates with Workiz.
Service calls run $200 to $600 and repipes or water heaters $1,500 to $6,000, so volume matters more than ticket size. Plumbing is the least seasonal trade; emergency calls arrive all year and after hours, which is why call answering sits next to lead generation here.
Tools 6editor's picks, then built for the trade, then published prices
3.9% flat merchant fee; 5.5% on 24-month 0% promos; $500-$25k loans; 17+ FSM integrations
Dealer-based home improvement lending; Truist subsidiary
Card-based consumer financing widely used by HVAC dealers
$1,499/yr Essentials plus $99 setup; multi-lender marketplace; no dealer fees
Dealer fee quoted per merchant; owned by InterVest since 2022
Dealer fees 0.99%-15%; owned by Sixth Street-led consortium since 2024
How this list is built. Every listing names plumbing or all trades as a market and sits in the consumer financing category. Order is editor's pick, then explicit trade coverage, then a published price, then name. Nobody pays to appear or to rank. The publisher's own product is labelled and gets no adjustment. Full methodology.