HVAC Contractors — Equipment Financing
HVAC contractors lose jobs because they can't move fast enough — not because they lack the skills. Equipment financing lets you add a van, replace a broken unit, or stock up on parts without waiting for your next invoice to clear.
If it helps you take on more jobs or run your operation more efficiently, it can likely be financed. Here is what HVAC contractors most commonly fund.
Ford Transit, Ram ProMaster, Sprinter — financed as a fleet or individually
Rooftop units, split systems, chillers, heat pumps, VRF systems
Manifold gauges, refrigerant recovery units, leak detectors, vacuum pumps
Scissor lifts, boom lifts, ladders, scaffolding for commercial installs
Pre-stocked parts inventory for service contracts and emergency calls
Field service management software, GPS fleet tracking, scheduling tools
The HVAC contractors who build lasting businesses don't just finance equipment — they build a capital strategy. An equipment loan establishes your lending history. A working capital line handles the gaps between jobs. And eventually, owning your own warehouse or yard is the move that changes your cost structure permanently.
We work with HVAC contractors at every stage — from the first van to the building purchase. When you're ready for the next step, we're already familiar with your business.
Also Available
Equipment financing covers what you buy. Working capital covers how you operate — payroll, materials, slow seasons, and large job mobilization.
Keep your technicians paid during the gap between job completion and invoice collection
Pre-stock refrigerant, filters, parts, and supplies before the busy season hits
Cover fixed overhead — rent, insurance, vehicle payments — during off-peak months
Fund the upfront costs of a large commercial HVAC contract before the first draw arrives
Invest in advertising, a new website, or a service contract campaign to grow your customer base
Replace high-cost MCAs or credit card debt with a structured term loan at a lower rate
Best for: One-time capital need
A fixed lump sum repaid over a set term with predictable monthly payments. Best for a slow season bridge, a large materials purchase, or debt consolidation.
Typical funding: 2–5 business days
Best for: Ongoing cash flow management
A revolving credit line you draw from as needed and repay as cash comes in. Best for contractors managing multiple jobs simultaneously with unpredictable timing.
Typical funding: 3–7 business days
Best for: Fast capital, flexible repayment
Capital repaid as a percentage of daily revenue — payments flex with your cash flow. Higher cost than a term loan, but faster and available to businesses that don't qualify for traditional products.
Typical funding: 24–48 hours
Tell us what you need. We'll find the right lender and get back to you within 48 hours.
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