Financing built for HVAC contractors.
Stock parts, buy service vans, cover payroll through the shoulder season, and float big install jobs before the homeowner pays. See what your heating & cooling business qualifies for in about 2 minutes.
About 2 minutes. Won't affect your credit score.
Financing arranged by our vetted partner network, powered by Big Think Capital.
From application to funded in three steps
One short form replaces a stack of lender applications. Here is the whole process.
- 01
Tell us about your shop
A few questions about revenue, time in business, and what you need: a van, parts inventory, or payroll through the shoulder season. No documents to start.
2 minutes - 02
Compare real offers
See actual rates and terms from our network of vetted capital partners, side by side, matched to how HVAC shops actually earn.
No credit impact - 03
Get funded fast
Pick the offer that fits and get funds in your account in as little as 24 hours, before the next install or the next slow month.
From 24 hours
The right product for the job on the schedule
We match you to the structure that fits your revenue, season, and goals, not the other way around.
HVAC Equipment & Van Financing
Service vans, recovery machines, and shop tools — financed.
- Amount
- $10K–$2M
- Rates
- from 8%
- Funding
- 1–3 business days
Working Capital for HVAC Shops
Bridge parts deposits and payroll through the slow season.
- Amount
- $10K–$1M
- Rates
- from 12%
- Funding
- As fast as 24 hours
HVAC Business Line of Credit
Draw for each job, repay as the homeowner pays you.
- Amount
- $10K–$500K
- Rates
- from 10%
- Funding
- 1–2 business days
HVAC Business Term Loans
A lump sum for a shop expansion or fleet build-out.
- Amount
- $25K–$5M
- Rates
- from 9%
- Funding
- 2–5 business days
SBA Loans for HVAC Companies
Lowest rates, longest terms — for established contractors.
- Amount
- $50K–$5M
- Rates
- from 7%
- Funding
- 2–6 weeks
Not sure which fits your shop?
Answer a few questions and we'll match you to the options your business qualifies for.
Compare HVAC financing at a glance
Typical ranges across our lending network. Your actual offer depends on your shop, credit profile, and time in business.
| Financing type | Best for | Amount | Est. APR | Funding speed | |
|---|---|---|---|---|---|
| HVAC Equipment & Van Financing | Adding service trucks or replacing aging shop and field equipment. | $10K – $2M | 8% – 30% | 1–3 business days | Details |
| Working Capital for HVAC Shops | Smoothing seasonal swings and stocking parts ahead of peak demand. | $10K – $1M | 12% – 45% | As fast as 24 hours | Details |
| HVAC Business Line of Credit | Unpredictable parts orders and emergency-call demand across jobs. | $10K – $500K | 10% – 36% | 1–2 business days | Details |
| HVAC Business Term Loans | Larger one-time investments, expansion, and refinancing costly debt. | $25K – $5M | 9% – 30% | 2–5 business days | Details |
| SBA Loans for HVAC Companies | Established HVAC businesses seeking the lowest cost of capital. | $50K – $5M | 7% – 14% | 2–6 weeks | Details |
Ranges are representative and not an offer to lend. Representative APR ranges from 7% to 45% depending on product, business profile, and credit.
- $500M+
- funded to small businesses
- 4.9/5
- Trustpilot · 3,200+ reviews
- 24 hrs
- fastest time to funding
- 6+ months
- time in business to qualify
We needed a second van and the parts deposit for a big commercial job at the same time. Every bank wanted two years of statements and a month to decide. This was a form, a call, and funds before the job even started.
Contractors come back, and they tell other shops why
We'd been turning down after-hours calls because one truck couldn't keep up. Got approved for equipment financing and had a second service van on the road inside a week. Paid for itself by the first heating season.
March and April are always brutal for cash flow between the cooling rush and the last heating calls. The line of credit covered payroll for three weeks until installs started paying out. No drama, no pressure.
Our recovery machine died mid-job and a new one wasn't cheap. Equipment financing got approved fast enough that we didn't lose the install. Techs were back on schedule two days later.
Estimate your payment
Get a quick, representative idea of monthly cost before you apply.
Estimate your monthly payment
A representative estimate at 8%–30% APR. Actual rates and terms vary by business and product.
See what your shop qualifies for
Answer a few questions and get matched to your best-fit option. Zero upfront fees. Checking won't impact your credit.
- Your information is encrypted and never sold.
- No obligation, getting matched is free.
Matched through Big Think Capital's lending network.
Your questions, answered
Still deciding? Talk to a financing specialist, no obligation.
Call (307) 317-0801Will checking my options affect my credit score?
No. Seeing what your HVAC business qualifies for uses a soft inquiry that does not impact your personal or business credit score.
Can I finance service vans and equipment together?
Yes. Equipment financing can cover service vans, recovery machines, vacuum pumps, sheet-metal tools, and diagnostic gear — often bundled into a single payment that matches the equipment's useful life.
How do I get through the shoulder season between cooling and heating demand?
Working capital and a business line of credit are built for this. Use them to make payroll, pre-buy condensers and furnaces, and keep your best techs on staff until the next rush — then repay as jobs come in.
Do I qualify if my heating & cooling company is only a year old?
Often, yes. Most options require at least 6 months in business and around $15,000+ in monthly revenue. Newer contractors may have fewer options but can still get matched.
Is this consumer financing I offer to homeowners?
No. HVAC Financing is strictly business financing for HVAC contractors and heating & cooling companies — funding for the business itself, not consumer or homeowner installment loans.
Your next service van is a short form away.
Compare real offers from our lending network in about two minutes. No upfront fees, and checking won't affect your credit.
Disclaimer
HVAC Financing is a business financing marketplace powered by Big Think Capital that connects HVAC contractors and heating & cooling companies with funding. We are not a direct lender and do not guarantee funding, approval, rates, or terms. All examples are representative only and are not an offer or commitment to lend. Actual rates, fees, and terms are set by the funding lender and depend on your business and credit. Business financing for HVAC companies only — we do not offer consumer or homeowner installment loans.
Representative APR ranges from 7% to 45% depending on product, business profile, and credit.