Short version: we help plumbing companies market the customer financing that licensed lenders offer them, we charge a flat monthly fee, and we never lend, broker or promise approvals. The answers above cover the questions we hear most. Below are a few longer explanations that don't fit in two sentences.
Frequently asked questions
Are you a lender or a loan broker?
No. Plumber.Finance markets financing programs that licensed lenders offer to plumbing companies. We never lend, broker, approve or price credit, and we never handle customer applications.
Which lender should I sign with?
We don't recommend or name lenders, and we take no commission from any of them. Our guide on choosing a financing program lists the questions to ask each provider so you can compare them yourself.
How much do you charge?
Plans are $1,999, $3,999 or $7,999 per month month-to-month, or $1,499, $2,999 or $5,999 per month on annual billing, plus GST/HST based on your province (GST and QST in Quebec). Ad spend is separate and paid directly to the platform.
Is there a contract?
Plans are month-to-month with 30 days' notice to cancel. Annual billing is optional and simply lowers the monthly rate.
How quickly will I see results?
Website and follow-up changes take two to three weeks to set up. Large plumbing jobs take time to close, so judge results over about three months, not three weeks.
Can you promise a set number of financed jobs?
No. Nobody honest can. The lender approves or declines each customer, and many factors affect whether a homeowner books. We promise clear measurement and straight reporting.
We tried an agency before and it didn't work. Why would this be different?
Ask what that agency reported. If it was clicks and impressions, you never saw the real picture. We report quotes, bookings and margin, and we focus on one specific lever, the financing conversation, rather than generic traffic.
Who owns the website and ad accounts?
You do. Your domain, website content, Google Ads account, Google Business Profile and data stay in your name and remain yours if you leave.
Can you write ads with monthly payment amounts?
Only if the lender provides the figures and the required disclosures, and only in the lender's exact wording. Otherwise we advertise that payment options are available, subject to approval.
Do my technicians need to become financing experts?
No. They need two sentences: that payment options are available through the lender, and where the customer can learn more. Terms and applications stay with the lender.
What do your reports show?
Calls and texts by source, large quotes written, how many mentioned financing, how many customers say they applied, jobs booked, and margin after any program fee, with a short written summary.
Do you work with plumbers outside British Columbia?
Yes. We work with plumbing companies in every province and territory, and the areas pages explain regional differences such as Quebec's French-language rules.
Do you do plumbing work?
No. We are not a contractor and don't install, repair or service anything. We only market and advise plumbing businesses.
Why we stay out of lending entirely
Lending in Canada is regulated, and disclosure duties depend on the type of lender. Federally regulated lenders such as banks follow federal rules, while other lenders fall under provincial or territorial rules, as the Financial Consumer Agency of Canada's personal loans page explains. A marketing firm has no business in that chain. Keeping out of it means our advice on your ads is never coloured by a commission, and your customers deal with the lender for every credit question.
What "subject to approval" really means for your marketing
It means every financing message must leave room for a "no". Homeowners who are declined should never feel misled by your website or your technician. In practice we:
- name the lender where allowed, so customers know who decides
- avoid words like "everyone", "instant" or "can't be declined"
- never show a payment example unless the lender supplied it with its disclosures
Our guide to advertising financing honestly explains the reasoning in more detail.
How a typical engagement starts
- A free 30-minute call about your job mix, your lender program and your numbers.
- A written plan with the services we'd start with and the cost.
- Setup over two to three weeks, starting with your financing pages or quote follow-up, depending on where the leak is.
- Monthly reports, and a quarterly review.
When we'll tell you not to hire us
If almost all your work is emergency service, or you don't yet have a lender program and aren't sure you want one, a financing-focused service may not be the right spend. We'd rather say so. Our close-rate maths guide helps you work out whether financing could matter for your job mix. You can also check pricing or contact us directly.
A note on our HVAC results
What happens if the lender changes or ends the program
Programs change. Promotions end, fees move and occasionally a lender exits a market. When that happens, we update or remove every mention across your website, ads, Google Business Profile, quote templates and follow-up sequences, ideally the same week. That's part of why we keep a list of where every financing message lives. If you switch lenders, we rebuild the messaging around the new program's approved wording, rather than editing the old lender's language.
How we report, in practice
Each month you get a short written summary and a simple dashboard. It shows calls and texts by source, large quotes written, how many of those mentioned financing, how many customers say they applied with the lender, jobs booked and margin after any program fee. Once a quarter we look at trends and decide together whether to keep, change or cut each part of the work. There's no jargon and no vanity metrics like impressions or page views. If something isn't working, the report says so in the first paragraph.
Our HVAC background
Most of our published results come from HVAC companies, where we built 150+ live websites. We present them as results from our HVAC work, because that's what they are, and because the same disciplines of clear offers, tracked calls and steady follow-up apply to plumbing. See the about page for more on how we got here.
Our case studies are results from our HVAC work. We show them on the results page as evidence of how we measure, not as plumbing or financing results.
Sources
- Financial Consumer Agency of Canada: Personal loans (2026-10-22)