Your slow season is not a credit problem.
Caisson Credit underwrites HVAC, electrical, and plumbing contractors in Metro Atlanta. We look at what your business does in its worst month, not its average one.
Takes about 5 minutes. No credit pull to start.
Who we lend to
HVAC
Residential and light commercial. Service, replacement, and new install.
Electrical
Licensed contractors doing service, panel work, and build-outs.
Plumbing
Service, repipe, and new construction crews.
If you hold a license and your business has been running at least two years, you are who we built this for.
How it works
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Step 1
Tell us about your business.
About 5 minutes
Your name, your trade, how long you have been running, and roughly how much you are looking for.
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Step 2
Send your numbers.
About 20 minutes
Twenty-four months of business bank statements, your most recent business tax return, and your receivables aging if you keep one. You can send PDFs. We do not need bookkeeping software access.
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Step 3
We underwrite.
Three business days
A person reads it. The math is the same math for every applicant.
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Step 4
You get an answer and the reasoning behind it.
Same day
Approved or declined, you see the actual numbers we used.
Most lenders read the wrong twelve months
A bank pulls your last year, averages it, and sees revenue swinging sixty percent between August and March. That looks like instability. It is just July and it is just February.
Nobody defaults in the busy season. Contractors get in trouble in the quiet weeks, when the phones stop and the payment is still due on the first. So we do not underwrite your average month. We underwrite your worst one, and we ask whether the payment still clears when it comes.
A lot of businesses that look fine on an annual average do not survive that question. Most of the contractors banks decline do.
Straight answers
What does this cost me?
Nothing to apply and nothing to get a decision. If we make you an offer, the rate and the fees are on the term sheet in plain numbers before you sign anything.
How long does this take?
Three business days from the time we have your documents. If we need something else from you, we ask once and we ask for all of it at the same time.
What if I get declined?
You get the actual reason, in numbers, not a form letter. If it is something that changes with time or a better quarter, we tell you when to come back.
Who sees my numbers?
One person, and that person is me. I read every file myself. We do not sell your information and we do not share it with third parties.
Are you a bank?
No. Caisson Credit is not a bank and does not take deposits. We are a private lender underwriting our own credit decisions.