Funding built for HVAC contractors
Gear up before AC season, cover payroll between jobs, or put another van on the road. Get matched with working capital and equipment financing options sized to your revenue.
What hvac businesses fund
AC season preparation
Stock refrigerant, filters and units before the summer rush hits — and before your suppliers' prices do.
Equipment purchases
Recovery machines, vacuum pumps, gauges, sheet-metal tools — finance the gear that books more jobs.
Payroll
Keep techs paid through shoulder seasons so they're still on your team when calls spike.
Trucks & vans
Add or replace service vehicles without draining your operating account.
Materials
Buy ductwork, line sets and units for big installs before the progress payment lands.
Marketing before busy season
Spend on ads in April, book the jobs in June — funding bridges the gap.
Emergency cash flow
A slow month or a big receivable shouldn't stall the whole operation.
Check your options now
Takes a few minutes. Free, no obligation, no hard credit pull from us.
About you
Funding estimate calculator
A rough range based on typical provider criteria — an estimate, not an offer.
HVAC funding questions
How fast can HVAC businesses get funded?
Many funding partners can review a file and fund within 1–3 business days once your documents are in — usually 3 months of business bank statements. Timing varies by provider and underwriting.
Can I get funding before AC season if winter was slow?
Seasonality is normal in HVAC and many providers underwrite around it. Strong spring/summer revenue history helps offset slow winter months.
Do I need perfect credit?
No. Many working-capital providers weigh business revenue and bank activity more heavily than personal credit. Options and pricing vary with your profile.
Can I finance equipment and cover payroll at the same time?
Yes — that's common. You can be matched with a mix of products, like equipment financing for the hardware plus working capital for operating costs.