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.
- 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
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.