Business Line of Credit
Draw to stock inventory and cover payroll in slow months, then repay when peak-season revenue rolls in.
Explore Business Line of CreditIndustry funding
Funding for HVAC businesses
Stock seasonal inventory, finance service vans, and keep skilled crews paid through the slow months with capital that flexes around your busy seasons.
The cash-flow reality
Challenges in hvac
We've funded enough hvac businesses to know exactly where the money gets tight. Here's what we structure around.
Brutal seasonality
Peak demand in summer and winter is bracketed by slow shoulder seasons, yet skilled crews and overhead need to be paid year-round.
Inventory before the rush
You must stock units and parts ahead of peak season — a large outlay that lands well before the revenue does.
Fleet and equipment costs
Service vans, recovery machines, and diagnostic tools are expensive to add or replace, and downtime costs you jobs.
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Funding solutions for hvac
Based on how hvac businesses earn and spend, these products tend to fit best.
By the numbers
What hvac funding looks like
2 peaks
Summer & winter demand
Same day
Possible funding speed
$5K-$1M
Funding range
In their words
A hvac owner's story
“We pre-bought a full season of units on a line of credit and added a second van the same month. Best summer we've ever had.”
Eligibility for HVAC businesses
HVAC contractors generally qualify with 6+ months in business, $15,000+ monthly revenue, and a 500+ credit score. Seasonal revenue patterns are expected and welcome.
Steady capital. Solid partners.
Ready to fund your hvac business?
Apply in about five minutes with no hard credit pull, or talk through your options with an advisor who knows your industry.