HVAC Business Line of Credit
A revolving line you draw from when a furnace fails mid-winter or you land back-to-back installs, and repay as customers pay their invoices. You only pay interest on what you actually use.
- Amount
- $10,000 – $500,000
- APR
- 10% – 36%
- Term
- 6 – 24 mo
- Funding speed
- 1–2 business days
Best for
Unpredictable parts orders and emergency-call demand across jobs.
What you get
- Revolving access for parts and emergency calls
- Interest only on what you draw
- Reusable as you repay
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.