HVAC Business Term Loans
A fixed lump sum with predictable payments — ideal for opening a second location, building out your service fleet, buying a sheet-metal shop, or consolidating higher-cost merchant advances.
- Amount
- $25,000 – $5,000,000
- APR
- 9% – 30%
- Term
- 12 – 120 mo
- Funding speed
- 2–5 business days
Best for
Larger one-time investments, expansion, and refinancing costly debt.
What you get
- Fixed rates and terms
- Larger funding amounts for expansion
- Predictable monthly payments
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.