Buy the units before the customer pays.
You front the equipment, refrigerant, and labor on a big install long before the check clears. Serving HVAC contractors nationwide.
We know how HVAC businesses really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Equipment Financing
Get the equipment. Keep your cash.
See terms & details →Invoice Factoring
Get paid now, not in 60 days.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeYou pay for units before you get paid.
The fair fixFund the equipment and materials up front so no job stalls on your cash.
The squeezeSummer demand hits faster than cash flow.
The fair fixGet funded in under a week and staff up before the heat wave rush.
The squeezeDaily-debit lenders drain your account.
The fair fixKeep fixed, predictable payments instead of a daily-debit merchant cash advance.
What contractors use it for
Put the capital where it moves the needle most.
Units and materials
Service trucks and tools
Payroll and subs
Bridging unpaid invoices
Marketing
Warehouse space
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for HVAC contractors
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your HVAC business?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
