Plumbing Companies
The Financial OS
for Your Plumbing Business
Corporate card. Sub-contractor 1099s. Job costing. Invoicing. Cash flow. Month-end close. Six things your business needs — zero that need your accountant.
$0
Monthly fee
2 min
Signup time
6
AI agents working for you
0
Receipts lost
6 Ways SKOOR Runs Your Plumbing Business
Every feature works together. Your card swipe feeds your job costing, which feeds your invoicing, which feeds your cash flow, which feeds your CPA.
Corporate Card for Parts Runs
Stop using your personal card at the supply house
1.5% interchange
earned back on every swipe
The Problem
Every trip to Ferguson goes on your personal Visa. Business and personal expenses are tangled. Your accountant charges extra to sort it out.
The Solution
Swipe your SKOOR card at the supply house. Transaction auto-coded to "5100 Materials & Supplies." Receipt captured. Synced to QuickBooks before you leave the parking lot.
Real Example
“You’re at Ferguson picking up a water heater. Swipe your SKOOR card. Receipt auto-captured. Transaction coded to “Materials.” Your bookkeeper sees it in QuickBooks before you leave the parking lot.”
Sub-Contractor Pay + 1099 Compliance
Never scramble for 1099s in February again
$0
1099 filing prep cost
The Problem
Your subs want cash or Venmo. No paper trail. Come tax time, you’re guessing who got what and scrambling for W-9s.
The Solution
Pay subs through SKOOR. Every payment tracked per vendor. W-9 auto-requested at $500. 1099-NEC auto-generated in January. Zero February panic.
Real Example
“You pay Mike’s Plumbing Subs $800 for a rough-in. SKOOR records it, adds $800 to Mike’s YTD total ($2,400 so far). At $600, Mike already got a W-9 request by email. In January, his 1099 is ready — one click.”
Job Costing + Profitability
Know which jobs make money and which lose money
39%
average margin on water heater jobs
The Problem
You don’t know if the water heater job was profitable until your accountant tells you three months later. By then you’ve done 50 more jobs the same way.
The Solution
Tag every expense to a job. SKOOR calculates: revenue minus materials minus labor minus fuel equals profit. See margin per job in real time.
Real Example
“Job: 123 Oak St — Water Heater Replacement. Revenue: $1,800. Materials: $450. Labor: $600. Fuel: $40. Profit: $710 (39% margin). You know this before you leave the job site.”
Estimate → Invoice → Get Paid
Send estimates from the truck. Get paid before you leave
Same day
payment vs 30-day chase
The Problem
You write estimates on paper or in Notes. Send invoices via text. Chase payment manually. Half your AR is 30+ days overdue.
The Solution
Create an estimate in SKOOR with line items (water heater $800, labor $600, permit $150). Homeowner approves → converts to invoice → pays online via card or ACH. Money arrives same day.
Real Example
“Standing in the homeowner’s kitchen, you tap “New Estimate” on your phone. Add 3 line items. Send. Homeowner clicks “Approve.” You start the job. When you’re done, they click “Pay Now.” $1,550 hits your account before you start the next call.”
Cash Flow Forecast + Bill Scheduling
Never wonder if you can afford next week’s supply run
30 days
forward visibility on cash
The Problem
You don’t know if Thursday’s check will clear before Ferguson’s bill is due on Friday. You get hit with late fees because you forgot.
The Solution
SKOOR shows what’s coming in versus what’s going out for the next 30/60/90 days. Auto-schedules bill payments to avoid late fees while keeping cash positive.
Real Example
“Dashboard shows: “This week: $3,200 expected in, $1,800 due out → $1,400 net.” SKOOR auto-schedules your Ferguson payment for Thursday when the homeowner’s check clears. Late fee avoided. Cash stays positive.”
CPA Handoff + Month-End Close
Your CPA closes the books in 15 minutes, not 2 weeks
15 min
vs 2 weeks manual close
The Problem
You email receipts to your CPA. They manually enter into QuickBooks. Month-end close takes 2 weeks. CPA bills you $500/month.
The Solution
CPA logs into AccountingSkoor. All your transactions are already categorized, reconciled, and ready. They click “Run Auto-Close” — 6 AI agents run in parallel — and review the results. Done in 15 minutes.
Real Example
“Your CPA opens AccountingSkoor at 8am. Sees your plumbing book: 47 transactions categorized, AP reconciled, 1099s tracked, no fraud holds. Clicks Auto-Close. 6 agents finish in 90 seconds. CPA reviews, marks complete. Your Business Skoor goes to 78. Done before coffee.”
5 AI Agents Working in the Background
You don't see them. You don't manage them. They just work.
Expense Coding Agent
Auto-categorizes every swipe using your firm’s SOPs. Ferguson = Materials. Shell = Fuel. Mike’s Subs = Labor.
Fraud Detection Agent
Scores every vendor invoice for risk. Catches duplicates, unusual amounts, and suspicious new vendors.
Tax Compliance Agent
Watches vendor totals approaching $600. Auto-sends W-9 requests. Generates 1099s in January.
Bookkeeping Sync Agent
Pushes every transaction to QuickBooks or Xero. Posts journal entries. Your CPA sees everything in real-time.
Agentgorithm™
Recalculates your Business Skoor (0-100) after every transaction. Higher score = higher card limits.
Business Skoor™: 0-100
A credit score for your plumbing business. Built from your actual revenue, expenses, and payment patterns — not your personal FICO.
Payment History
0-40
On-time payments, average days to pay
Business Activity
0-30
Transaction volume, vendor diversity
Tax Readiness
0-30
1099 compliance, W-9 rate, TIN verified
Poor (<50) · Fair (50-59) · Good (60-69) · Very Good (70-79) · Exceptional (80+)
Your plumbing business
deserves its own financial OS.
Free corporate card. Free expense management. Free Business Skoor. Six use cases, zero monthly fees. Sign up in two minutes.
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