HVAC Financing

Working Capital for HVAC Shops

Fast working capital to pre-buy condensers and furnaces before the cooling and heating rush, make payroll in the shoulder months, and front a large commercial install before the invoice clears.

Get working capital →Estimate my payment
Amount
$10,000 – $1,000,000
APR
12% – 45%
Term
6 – 36 mo
Funding speed
As fast as 24 hours

Best for

Smoothing seasonal swings and stocking parts ahead of peak demand.

What you get

  • Funds in as fast as 24 hours
  • Stock inventory before the season hits
  • Early-payoff discounts
Other options:HVAC Equipment & Van Financing HVAC Business Line of Credit HVAC Business Term Loans SBA Loans for HVAC Companies

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.