Financing for Trade Contractors

Equipment and working capital, sized for HVAC, plumbing & electrical businesses.

Trucks, tools, shop equipment, or cash flow between jobs — see what you may qualify for in minutes. Checking your options uses a soft inquiry and won't affect your credit score.

Time in Business

4+ months

Monthly Revenue

$10K minimum

Credit Score

No minimum FICO

Funding Range

10K–5M USD

Check Your Financing Options // 60-second form, no obligation, no hard credit pull

What You Can Finance

Built for the things that keep a trade business running.

Service Vehicles

New or used trucks and vans — financed against the vehicle itself, not your personal credit alone.

Tools & Shop Equipment

Diagnostic tools, fabrication equipment, lifts, and anything else that keeps jobs moving. Already have a vendor quote in hand? That's exactly what lenders approve against — often in 2–5 days.

Working Capital

Cover payroll and materials between invoices, or bridge the gap during slow season.

Growth & Expansion

Add a crew, open a second location, or take on larger commercial contracts.

How It Works

Three steps. No paperwork pile.

01 / TELL US

Fill out the short form below

Basics about your business — trade, time in business, revenue range, and what you're financing. About 60 seconds.

02 / REVIEW

We review and match you

We review your info, confirm you meet lender minimums, and submit your request to our lending partner. A dedicated funding advisor reaches out — at no cost to you.

03 / FUND

Compare offers and get to work

You see terms, rates, and timelines side by side. Once you pick an offer, funding can land in as little as 24 hours.

Who You're Working With

Straightforward by design.

AE Funding Solutions is an independent business-financing referral service built for trade contractors. We focus on one thing: helping HVAC, plumbing, and electrical businesses find equipment and working-capital financing that fits how a trade business actually operates.

We are not a lender. When you submit the form below, we review your information and refer qualified businesses to ROK Financial, a national business-financing brokerage that works with a network of lenders across equipment financing, working capital, term loans, lines of credit, and SBA loans.

Full transparency: if a business we refer gets funded, we may receive compensation from our lending partner. This never changes your rates or terms, and you never pay us anything.

No cost to you, ever

Our service and your funding advisor are free. Lenders pay referral partners — borrowers don't.

No hard credit pull to check options

Pre-qualification uses a soft inquiry. A hard pull only happens if you move forward with a specific lender and authorize it.

Your data stays in the loop you approve

We only share your information with our lending partner to process your financing request. See our Privacy Policy.

Check Your Options

Tell us about your business.

Takes about 60 seconds. No documents needed at this stage, no hard credit pull, and no obligation. We'll review your info and follow up within one business day. Already have an equipment quote from a vendor? Even better — that's the fastest path to funding.

Don't fill this out if you're human:

01 / About You

First Name *

Last Name *

Email *

Business Phone *

02 / Your Business

Business Name *

Your Trade *

Time in Business *

Annual Gross Sales *

Estimated Credit Score

03 / What You Need

What Do You Need? *

Amount Needed

What Are You Financing?

Prefer to go straight to the lender? Apply directly with ROK Financial.

Request received.

Thanks — we'll review your information and follow up within one business day. Keep an eye on your email and phone for next steps.

FAQ

Fair questions, straight answers.

Will checking my options hurt my credit score?

No. Pre-qualification uses a soft credit inquiry, which doesn't affect your score. A hard inquiry only happens later, if you choose to move forward with a specific lender's offer and authorize it.

Are you a lender?

No. AE Funding Solutions is an independent referral service. We review your request and connect qualified businesses with ROK Financial, a business-financing brokerage with a network of lenders. All credit decisions, rates, and terms come from the lenders themselves.

How do you get paid?

If a business we refer gets funded, our lending partner may pay us a referral fee. You never pay us anything, and the compensation doesn't change the rates or terms you're offered. We tell you this up front because you should know exactly how the people you work with make money.

What do I need to qualify?

Lender minimums are generally 4+ months in business and roughly $10,000+ per month in gross revenue. There's no minimum credit score for many products — equipment financing and working capital weigh your business's revenue more heavily than your personal FICO.

I already have an equipment quote — what now?

That puts you ahead. A vendor quote or invoice is exactly what equipment lenders underwrite against, so approvals typically move in 2–5 business days from there. Submit the form above with your quote details and we'll get it in front of a funding advisor. If you're still gathering quotes, you can submit anyway — we'll follow up when you're quote-ready.

How fast can I get funded?

It depends on the product. Working capital can fund same-day once approved. Equipment financing typically runs 2–5 business days. SBA loans take longer but offer the lowest rates and longest terms. Your funding advisor will give you real timelines for your situation.

What happens after I submit the form?

We review your info to confirm you meet lender minimums — usually within one business day. If it's a fit, we submit your request to our lending partner and a funding advisor contacts you to walk through options. If it's not a fit yet, we'll tell you that honestly, along with what would need to change.