← State of Embedded Finance 2026

Rainforest Plumbing & Air

Can a regional HVAC and plumbing contractor sustain premium pricing and growth through service quality guarantees, membership lock-in, and point-of-sale financing in a highly fragmented home-services market?

Founded1999
HQMesa, AZ / Phoenix, AZ
FoundersIke Tippetts
IndustryVertical SaaS / HVAC & Plumbing Services
The story

Founded in 1999 as a small two-truck plumbing operation in Mesa, AZ, Rainforest Plumbing & Air has grown organically over 25+ years into a mid-sized residential and commercial HVAC and plumbing services company with 125 employees and 50 trucks. The company has added embedded consumer financing options to reduce purchase friction for large installs, a recurring-revenue membership program (Cabana Club), and leverages field-service management software (ServiceTitan) to manage dispatch and operations. There is no embedded finance infrastructure story here — this is a trade services operator, not a fintech.

Last 12 months
Product timeline
1999
Founded by Ike Tippetts as a two-truck plumbing and HVAC operation serving the Phoenix metro area.· pivot
2025
Grown to 75 technicians, 125 employees, and 50 service trucks serving the Phoenix valley.· pivot
Regulated entities
Plumbing Contractor License
Arizona
Rainforest Plumbing & Air
HVAC Contractor License
Arizona
Rainforest Plumbing & Air
The stack
Lending
Consumer financing for HVAC/plumbing installs and repairs0% interest for 12 months on AC installation
Accounting gap: none