HVAC Financing

SBA Loans for HVAC Companies

Government-backed SBA financing offers some of the lowest rates and longest terms available — well suited to established heating & cooling companies buying real estate, acquiring a competitor, or making a major fleet investment.

See if you qualify →Estimate my payment
Amount
$50,000 – $5,000,000
APR
7% – 14%
Term
60 – 300 mo
Funding speed
2–6 weeks

Best for

Established HVAC businesses seeking the lowest cost of capital.

What you get

  • Among the lowest available rates
  • Terms up to 25 years
  • Larger funding amounts for acquisitions
Other options:HVAC Equipment & Van Financing Working Capital for HVAC Shops HVAC Business Line of Credit HVAC Business Term Loans

Your questions, answered

Still deciding? Talk to a financing specialist, no obligation.

Call (307) 317-0801
Will 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.

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.