The 2023 County Business Patterns count for Plumbing, Heating, and Air-Conditioning Contractors (NAICS 238220) in Tooele County, UT is 28 establishments.
A Tooele, UT plumbing or HVAC firm can put jetters, pipe cameras, recovery machines and van upfits on equipment financing, and carry parts stock and technician payroll with inventory financing or working capital. Funding partners decide any terms.
At a glance
- Plumbing, Heating, and Air-Conditioning Contractors (NAICS 238220), Tooele County, UT
28 employer establishments (CBP 2023)
- Plumbing and HVAC firms under five employees, Tooele County, UT
21 of 28 (CBP 2023)
- Plumbing and HVAC establishments with a ZIP 84074 address
23 (ZBP 2023)
- Plumbing and HVAC businesses without paid employees, Tooele County, UT
36 (Nonemployer Statistics 2024)
How to Get Financing for HVAC? Jetters, Parts Stock and the Answer for Plumbing and HVAC Firms
The short answer: name the purchase, price it, and match it to the right kind of money. A trailer jetter or a cart jetter is equipment with a dealer quote, so it goes into an equipment financing request. Parts stock (fittings, valves, water heaters, capacitors, a few condensers) turns over within weeks and fits inventory financing or a line of credit. Then call, or send the request form with an amount range, and a funding partner reviews it.
A partner looking at a plumbing or HVAC firm can ask for business bank statements, the equipment quote, the vehicle list, and receivables if the firm bills builders or property managers on terms. A firm that works both trades can split one call into parts: the jetter and camera under plumbing, the recovery machine and gauges under HVAC.
How to Finance HVAC Replacement? Start With Van Upfits
For a contractor, an HVAC replacement job means buying the furnace, the condenser, the coil and the line set before the customer pays for the install. That materials float is a working capital question. Financing for the homeowner is a consumer product and outside this site; the business side is what a request here covers.
Van upfits come first because every replacement crew needs a van that carries the equipment: shelving, ladder racks, a refrigerant cylinder rack, an inverter and lighting. An upfit on a new van can go on the van's equipment request; an upfit on a van the firm already owns is its own quote.
Illustration only, invented figures: a $54,000 cargo van with a $9,800 upfit, $63,800 in all, on 60 monthly payments at an annual rate of 9.25%. Payments land at $1,332.14 a month; by the 60th, the van and upfit have cost $79,928.40. Whether a partner treats the van and the upfit as one piece of collateral or two can turn on whether the shelving and racks come out of the van in one piece.
Plumbing Company Financing: Pipe Cameras and Technician Payroll
A sewer inspection camera with a locator lets a crew show the customer the break before anyone digs. The camera, the push reel and the locator come on one quote and fit an equipment request.
In Tooele County, UT, the 28 establishments under Plumbing, Heating, and Air-Conditioning Contractors (NAICS 238220) carried 155 paid employees and $8.5 million in annual payroll in 2023, and 21 of the 28, or 75.0%, had fewer than five employees (CBP). By our arithmetic that payroll works out to about $54,548 per employee.
Hiring a technician means paying wages before that tech's tickets pay, and working capital can carry the ramp. Illustration only, invented figures: a new tech costs $2,600 per biweekly payroll, and the first invoices from that tech's work are collected 30 days after the start date. Inside that wait the firm meets 2 or 3 of those payrolls, $5,200 to $7,800, the count set by where the first payday falls.
Plumbing Service Financing: Recovery Machines and a Second Service Van
On the HVAC side, a refrigerant recovery machine, a vacuum pump and digital manifold gauges are the core diagnostic tools; on the plumbing side, a press tool kit and a drain cleaning machine. Each is a small quote, and grouping them on one request keeps the paperwork to one review.
A second service van is a fleet step: the van, its upfit, the tools to stock it, and a technician to drive it. The van and upfit are equipment; the tech's first weeks are working capital.
Separately, 2024 Nonemployer Statistics counted 36 establishments with no paid employees under Plumbing, Heating, and Air-Conditioning Contractors (NAICS 23822) in Tooele County, UT. For ZIP 84074, ZIP Code Business Patterns shows 23 establishments under Plumbing, Heating, and Air-Conditioning Contractors (NAICS 238220) for 2023.
Builders and general contractors have their own page, construction business loans; the industries hub has notes on electricians and finishing crews, and county figures are on the Tooele, UT page.
By Laurelmont Commercial Capital ยท Updated
