Industry Financing
HVAC Business Financing
Equipment, vehicles, and working capital for HVAC contractors — residential service, commercial installation, and maintenance companies.
Check Your Eligibility →Funding Amount
$10K – $2M
Typical Terms
1–7 years
Rates Starting At
6.5%
What We Finance
HVAC companies need capital for service vehicles, equipment, inventory, and seasonal working capital. We have funded hundreds of HVAC businesses at every stage — startup to multi-location.
- •Service van and truck financing (new and used)
- •HVAC equipment and refrigerant inventory financing
- •Working capital for seasonal peaks and slow seasons
- •Business acquisition loans for buying a competitor or route
- •Financing for dispatch software, CRM, and field service tools
- •Lines of credit for large commercial installation projects
Business Types We Work With
- ✓Residential service and repair
- ✓Commercial HVAC installation
- ✓Sheet metal and ductwork fabrication
- ✓Geothermal and heat pump specialists
- ✓Refrigeration and commercial kitchen HVAC
Why Lenders Approve This Industry
HVAC is recession-resistant — equipment breaks regardless of economic conditions. Recurring maintenance contracts provide predictable revenue that lenders can underwrite. Strong SBA eligibility for established operators.
Typical Qualification Requirements
- ✓HVAC contractor license (state-specific)
- ✓6+ months in business
- ✓$10,000+ monthly revenue
- ✓580+ credit score
- ✓Consistent business banking activity
Requirements vary by program and lender. Many businesses that were declined elsewhere qualify through our network.