Financing


Flexible Financing for Drain, Pipe & Sewer Repairs

Whether you’re a homeowner facing CIPP lining, trenchless sewer repair, or hydro jetting—or a contractor investing in pipe rehabilitation equipment—we’ve partnered with trusted lenders to help you get the job done.

No drain or sewer repair should wait because of budget. Explore your options below.

🏠 Financing for Homeowners

CIPP pipe lining, trenchless sewer replacement, spot repairs, and hydro jetting are significant investments. These partners make it easier to spread payments over time so you can protect your property now—without digging up your yard or your savings.

Enhancify

Best for: Homeowners with varying credit profiles (FICO 550–850)

Enhancify connects you with 30+ lenders through a single application—no dealer fees, fast approvals, and loans up to $200,000. Perfect for full sewer line replacements, whole-house repiping, or multi-section CIPP lining. If you’ve been turned down elsewhere, Enhancify often finds options others miss. Apply in 60 seconds and see your monthly payment options without impacting your credit score.

Apply with Enhancify →

  • ✓ Loans up to $200,000
  • ✓ FICO scores 550–850 accepted
  • ✓ Terms up to 12 years
  • ✓ No dealer fees
  • ✓ Funding as fast as next day

GreenSky

Best for: Homeowners who want promotional 0% interest options

GreenSky offers unsecured home improvement loans up to $100,000 with promotional financing plans—including deferred interest options where you pay no interest if paid in full during the promo period. Ideal for trenchless pipe lining, sewer lateral repairs, or drain line rehabilitation. Apply through your contractor, get approved in seconds, and start your project immediately.

Apply with GreenSky →

  • ✓ Loans up to $100,000
  • ✓ 0% promotional financing
  • ✓ No home equity required
  • ✓ Credit decisions in seconds
  • ✓ Wide variety of payment plans

Hearth

Best for: Homeowners seeking multiple lender options with one application

Hearth connects you to a network of 18+ lenders with a single soft-pull application. See your pre-qualified options in under 90 seconds—without affecting your credit. Whether you need financing for CIPP lining, trenchless sewer repair, or a complete drain system overhaul, Hearth finds options up to $250,000.

Apply with Hearth →

  • ✓ Pre-qualify in 60–90 seconds
  • ✓ Loans up to $250,000
  • ✓ FICO scores as low as 550
  • ✓ 0% intro APR options
  • ✓ No prepayment penalties

Wisetack

Best for: Homeowners who need quick, simple “pay over time” options

Wisetack is a buy-now-pay-later solution built for home services. Apply in under a minute from your phone, see up to 8 payment options, and know exactly what you’ll pay upfront—no surprises. Great for spot repairs, hydro jetting, camera inspections, or smaller drain repairs when you need flexibility fast.

Apply with Wisetack →

  • ✓ Financing from $500–$25,000
  • ✓ Terms from 3 to 60 months
  • ✓ APRs as low as 0%
  • ✓ Soft credit check only
  • ✓ Funds in 1–3 business days

Service Finance Company

Best for: Homeowners financing through established contractors

Service Finance Company is an FHA Title I approved lender offering 50+ financing solutions for home improvement projects. Known for low monthly payments and flexible promotional terms, SFC works with contractors nationwide to make major plumbing repairs affordable—including CIPP lining, trenchless sewer replacement, and whole-house repiping.

Learn More →

  • ✓ FHA Title I approved lender
  • ✓ 50+ financing programs
  • ✓ Promotional terms available
  • ✓ Low monthly payments
  • ✓ Works with enrolled contractors

Acorn Finance

Best for: Homeowners comparing multiple lender offers with no credit impact

Acorn Finance is a lending marketplace that connects you with 30+ lenders through a single application. Pre-qualify in under 60 seconds without affecting your credit score, then compare real loan offers side by side. Great for CIPP pipe lining, trenchless sewer repair, or any plumbing project up to $100,000. Funding can happen as fast as the same day.

Apply with Acorn Finance →

  • ✓ Loans up to $100,000
  • ✓ APRs starting at 6.99%
  • ✓ Terms up to 12 years
  • ✓ Compare 30+ lender offers
  • ✓ Same-day funding available

🔧 Financing for Contractors & Business Owners

Running a drain, pipe, or sewer rehabilitation company means investing in expensive equipment—CIPP systems, hydro jetters, camera inspection rigs, and service vehicles. These partners help contractors and business owners finance equipment, manage cash flow, and scale operations.

U.S. Small Business Administration (SBA)

Best for: Established businesses seeking low-rate, long-term financing for equipment, real estate, or expansion

The SBA offers government-backed loan programs with some of the best rates and longest terms available. Two programs stand out for drain, pipe, and sewer rehabilitation contractors:

SBA 7(a) Loans: The most flexible SBA program—use funds for equipment, working capital, inventory, refinancing debt, or even buying an existing plumbing or drain company. Loans up to $5 million with terms up to 10 years for equipment (25 years for real estate).

SBA 504 Loans: Designed for major fixed assets like heavy equipment and real estate. Only 10% down required, fixed interest rates, and terms up to 25 years. Ideal for purchasing CIPP systems, jetting equipment, camera rigs, or service vehicles with a useful life of 10+ years.

Explore SBA Loans →

SBA 7(a) Loans

  • ✓ Up to $5 million
  • ✓ Working capital & equipment
  • ✓ Terms up to 10–25 years
  • ✓ Rates from ~6%–8%

SBA 504 Loans

  • ✓ Up to $5.5 million
  • ✓ Only 10% down payment
  • ✓ Fixed interest rates
  • ✓ Terms up to 25 years

Crest Capital

Best for: Fast equipment financing without the SBA paperwork

Crest Capital has been financing business equipment since 1989. Whether you’re buying a CIPP lining system, hydro jetter, camera inspection equipment, or service vehicles, Crest offers same-day decisions on loans up to $250,000 with no tax returns required. New or used equipment qualifies, and soft costs like delivery and installation can be rolled in. Great alternative when you need equipment fast and can’t wait for SBA approval.

Apply with Crest Capital →

  • ✓ Equipment financing up to $250K+
  • ✓ Same-day decisions
  • ✓ No tax returns under $250K
  • ✓ New and used equipment
  • ✓ Section 179 tax deduction eligible

Kapitus

Best for: Business owners seeking working capital, SBA loans, or lines of credit

Kapitus offers a full suite of business financing—SBA loans up to $5 million, business lines of credit, equipment financing, revenue-based financing, and more. Approvals in as little as 4 hours, funding within 24–72 hours. Great for drain and sewer contractors who need to cover payroll, materials, or expansion while waiting on job payments. They also help facilitate SBA 7(a) and Express loans if you want government-backed rates with faster processing.

Apply with Kapitus →

  • ✓ SBA loans up to $5 million
  • ✓ Business loans up to $750K
  • ✓ Equipment financing available
  • ✓ Approvals in as little as 4 hours
  • ✓ Funding within 24–72 hours

GE Capital

Best for: Established businesses needing large-scale equipment financing

GE Capital is one of the largest commercial equipment financing providers in the world—backed by General Electric’s global infrastructure. They offer equipment leasing, loans, and lines of credit for businesses in construction, manufacturing, fleet management, and more. Ideal for pipe lining contractors looking to finance major capital investments like CIPP systems, hydro jetters, and service fleets.

Learn More →

  • ✓ Large-scale equipment financing
  • ✓ Leasing and loan options
  • ✓ Lines of credit available
  • ✓ Global financial backing
  • ✓ Flexible terms for capital assets

Ameris Bank Equipment Finance

Best for: Contractors needing fast equipment financing up to $500K

Ameris Bank Equipment Finance (formerly Balboa Capital) is an A+ BBB-rated lender offering equipment financing up to $500,000 with a simple application process. Finance CIPP systems, camera equipment, hydro jetters, service vehicles, and more—new or used. They also offer SBA 7(a) and 504 loans from $400K to $5 million for larger projects.

Apply with Ameris Bank →

  • ✓ Equipment financing up to $500K
  • ✓ SBA loans $400K–$5 million
  • ✓ A+ BBB rating
  • ✓ New and used equipment
  • ✓ Simple online application

Billd

Best for: Contractors who need 120-day terms on material purchases

Billd is built specifically for commercial contractors dealing with cash flow gaps. They pay your material suppliers upfront—you pay Billd when you get paid by your client, up to 120 days later. Stop fronting material costs before you’re paid for the job. Perfect for pipe lining contractors bidding on larger commercial projects where materials are needed before payment arrives.

Apply with Billd →

  • ✓ 120-day payment terms
  • ✓ Supplier paid upfront
  • ✓ Same-day approvals
  • ✓ Built for construction
  • ✓ Negotiate supplier discounts

SMB Compass

Best for: Business owners seeking multiple financing options from one source

SMB Compass is a business financing consultancy offering 9+ loan products—SBA loans, term loans, lines of credit, equipment financing, invoice factoring, and more. Loans from $10,000 to $10 million with terms up to 25 years. They match you with the best option for your situation. Great for drain and sewer contractors who want expert guidance navigating business financing.

Apply with SMB Compass →

  • ✓ Loans from $10K–$10 million
  • ✓ 9+ financing products
  • ✓ SBA loans available
  • ✓ Same-day funding options
  • ✓ Expert financing guidance

Oakmont Capital Services

Best for: Contractors financing equipment with flexible terms and fast approvals

Oakmont Capital Services has been financing business equipment since 1998. They specialize in construction, plumbing, and service industries—offering financing for new and used equipment with seasonal payment structures, low down payments, and fast virtual processing. They partner with plumbers and pipe contractors nationwide to finance cameras, jetters, CIPP systems, and service vehicles.

Apply with Oakmont Capital →

  • ✓ Equipment financing nationwide
  • ✓ New and used equipment
  • ✓ Seasonal payment structures
  • ✓ Low down payments available
  • ✓ 25+ years in business

Quick Reference: Which Lender Is Right for You?

Who You Are Best Options
Homeowner (good credit) GreenSky, Hearth, Service Finance, Acorn Finance
Homeowner (fair credit) Enhancify, Hearth, Wisetack, Acorn Finance
Homeowner (quick fix needed) Wisetack, Enhancify, Acorn Finance
Contractor (equipment — fast) Crest Capital, Ameris Bank, Oakmont Capital
Contractor (equipment — best rates) SBA 504, SBA 7(a), GE Capital
Contractor (material financing) Billd (120-day terms)
Business Owner (SBA loan) SBA 7(a), SBA 504, Kapitus, SMB Compass
Business Owner (working capital) Kapitus, SMB Compass, SBA 7(a)
Business Owner (real estate) SBA 504, SBA 7(a), GE Capital
Business Owner (multiple options) SMB Compass, Kapitus, Ameris Bank

How It Works

1

Choose a lender based on your situation

2

Complete their quick online application

3

See pre-qualified options (no credit impact)

4

Select your payment plan and get approved

5

Get funded in 24–72 hours

Questions About Financing?

Not sure which option is right for your project? We’re here to help point you in the right direction.

Contact Us →

CIPP, Trenchless Pipe and Sewer Repair Company

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