A contractor can call (865) 326-1090 between jobs or send the request form; Boldwick sends the request on to funding partners, and any offer is the partner's call.
A pipe threader and press tool kit on a 36-month loan, a lock former, brake and shear on a 48-month loan, a 34-day credit line draw for van stock, the property-work line for installed systems, and Sevier County, TN contractor counts.
At a glance
- Plumbing, heating and AC contractors, Sevier County, TN
41 (CBP 2023, NAICS 238220)
- Annual payroll at those contractors
$22.8 million (CBP 2023)
- Contractors with a ZIP 37862 address
11 (ZIP Code Business Patterns 2023)
- Contractor receipts with no paid employees, county
$10.6 million at 93 businesses (Nonemployer Statistics 2024)
Business loans for plumbers in Sevierville, TN: a pipe threader and press tool kit on one loan
Illustration only, invented figures: a Sevierville, TN plumbing company buys a $5,860 power pipe threader with dies and a stand, and a $4,720 press tool kit with jaws for copper and steel fittings, $10,580 in all. The plumbing company asks about equipment financing for both tools, spread across 36 months at an 11.75% annual rate.
The payment in this invented case lands at $350.15 a month. Thirty-six of them total $12,605.40, so the tools cost $2,025.40 in interest over three years, by our arithmetic.
A threader and press kit ride in the truck and work at any job site, which keeps them squarely on the equipment side. A partner may ask for the tool quote, bank statements and time in business, and it sets any rate and term. Press fittings and threaded pipe used up on jobs are stock, not part of this loan.
Financing for HVAC contractors in Sevierville, TN: a lock former, brake and shear for the duct shop
An HVAC company that bends and seams its own duct needs shop machines rather than hand tools. Illustration only, invented figures: a Sevier County, TN contractor prices a $9,780 Pittsburgh lock former, a $4,360 10-foot sheet metal brake and a $2,800 foot shear, $16,940 together.
Spread across four years at 10.85% a year, the invented shop sends $436.59 a month. All 48 together come to $20,956.32, including $4,016.32 of interest (our arithmetic).
A lock former that needs a 230-volt circuit the shop does not have brings electrical work, and that circuit is property work outside this site. The machines themselves stay equipment: they sit on the floor or bolt to it, and they can be moved to a new shop.
HVAC business line of credit loan: motors, capacitors and contactors stocked on Sevier County, TN vans
Replacement motors, capacitors and contactors are the parts an HVAC tech reaches for on a no-cooling call, and a van without them means a second trip. Stocking them is a short-term cost that turns over as jobs are billed. A tech who can finish the repair on the first visit can bill the job that day.
Illustration only, invented figures: a contractor draws $7,340 on a business line of credit to stock four vans and clears the draw 34 days later, as the repair invoices are paid. At a 14.25% annual rate with simple daily interest, those 34 days cost $97.43, by our arithmetic, before any fees the line carries.
Because the line can be drawn again, the next restock does not need a new request. A one-time gap, such as payroll for an added tech before that tech's jobs bill, fits working capital instead.
Plumbing contractor business loans cover the contractor's tools, never the systems in its own building
Plumbers and HVAC companies install systems for a living, which makes this line worth stating plainly: a loan arranged through Boldwick pays for the contractor's tools, shop machines, van shelving, parts stock and payroll. It does not pay for heating, cooling, plumbing or compressed air systems installed in the contractor's own building, which are property work outside this site.
The units and parts a contractor buys to install for customers are its stock until they go in, and stock can be part of a request. Once a system is installed at a customer's property, it belongs to that property.
Shelving, bins and ladder racks upfitted into a van the company already owns are equipment that stays with the van.
Business loans for HVAC contractors and plumbers: what Sevier County, TN contractor counts show
County Business Patterns counted 41 plumbing, heating and air-conditioning contractors with employees in Sevier County, TN in 2023 (NAICS 238220), with $22.8 million in annual payroll. A count of 23 among them, 56.1%, ran with under five on the payroll.
Eleven of those contractors had a ZIP 37862 address, per ZIP Code Business Patterns. Nonemployer Statistics, a separate program, counted 93 such contractors with no paid employees in the county for 2024, with $10,569,000 in receipts.
Builders, electricians and other trades are on the industries page and the construction page, and the Sevierville, TN page has the office address.
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