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.
Free · No obligation · No hard credit pull from us
Most HVAC funding requests aren't about a business in trouble — they're about timing. Install revenue lands in June and July; the equipment, refrigerant, marketing and hiring that produce it get paid for in March and April. Banks are slow and paperwork-heavy exactly when you need to move, which is why so many contractors end up looking at revenue-based funding.
We match HVAC contractors with providers who actually fund the trades: working capital advances sized to your bank deposits, equipment financing for big-ticket gear, and lines of credit for businesses with longer history. You tell us about the business once; we route the file to criteria you fit instead of blasting it everywhere.
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
What funders actually look for in an HVAC file
The first thing an underwriter reads is your business bank statements — usually the last three months. They're looking at average daily balance, deposit consistency, and how often the account dips negative. Steady deposits with few NSF days beat one great month sandwiched between two dead ones, even when the totals match.
Seasonality doesn't disqualify you. HVAC is a known seasonal trade, and providers who fund contractors underwrite around it — a slow February matters less if last summer's deposits show the machine works. What genuinely hurts a file is hidden information: an existing advance that surfaces in the statements after you said there was none. Disclose everything upfront; it's the difference between a re-priced offer and a declined file.
Working capital vs. equipment financing — which fits the job?
Match the money to how long the purchase pays you back. Pre-season inventory, marketing, and payroll turn into billed jobs within weeks — that's short-cycle spending, and short-term working capital (even at a higher cost) can make sense because the money comes back fast. A recovery machine, a van, or a sheet-metal brake earns over years — that belongs in equipment financing, where the term matches the equipment's working life and the rate is typically lower.
The expensive mistake is the mismatch: financing a five-year asset with six-month money, or letting a cheap long-term loan drag out the cost of inventory you already sold. A good match costs less than a fast yes — and the right provider depends on which one you need.
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.
How much funding can an HVAC business qualify for?
For working capital, most providers size offers off verified bank deposits — commonly in the neighborhood of 50–120% of your average monthly revenue, adjusted for balance history and existing obligations. Equipment financing is sized to the equipment itself. Our calculator gives a rough range; statements set the real number.
Is a merchant cash advance a good idea for an HVAC company?
It depends on the use. Revenue-based advances are fast and flexible but cost more than bank credit — they fit short-cycle spending that turns into billed jobs quickly (pre-season stock, a crew for a signed contract), and fit poorly as long-term debt. If your timeline allows a cheaper product like a line of credit or equipment financing, we'll match you there instead.
See your hvac funding options
Two minutes to check. Free, no obligation, and no hard credit pull from us.