Business funding for HVAC contractors

Funding built for the way HVAC pros actually run.

Trucks, tools, parts, hiring, marketing, expansion. Compare real offers from 60+ business lenders in two minutes — no credit hit to check.

An HVAC technician on a suburban rooftop holding manifold gauges next to an outdoor condenser unit at golden hour

No credit hit

Soft pull to check options

2-minute check

Answer one question to start

60+ lenders

Compare real offers

$10K – $500K+

Funded in 2–7 business days

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What HVAC pros fund with it

Use the capital however the season needs it. There's no purpose restriction once the funds hit your account.

Service trucks & vans

Add or replace service vehicles. Outfit them with shelving, bins, and the parts you actually use.

Tools & equipment

Manifolds, recovery machines, vacuum pumps, leak detectors. Stop sharing one tool across the crew.

Parts inventory

Stock common compressors, blower motors, control boards, and refrigerants. First-trip fixes win more customers.

Hiring & training

Pay for a new tech, EPA cert, NATE prep, and the ramp time before they're billable.

Marketing & lead-gen

Truck wraps, Google Local Service Ads, direct mail, review-generation tools. Predictable lead flow year-round.

Second location & expansion

Open a new yard, set up a commercial division, or buy out a retiring competitor.

How it works

Three steps. No paperwork to start.

Tell us your amount

Pick the funding range that fits the job. Takes under a minute, no documents needed.

Get matched with lenders

We send your request to a network of 60+ business lenders. Soft pull only — no impact to credit.

Compare offers and fund

Review real rates, terms, and product types. Most contractors fund in 2 to 7 business days.

Real HVAC pros, real seasons funded

“Needed two new service vans before summer hit. Funded in 5 days, had them wrapped and stocked before the first 90-degree week. Paid for themselves in a month.”

Carlos M.

HVAC contractor, 8 techs, Arizona

“Used the line to stock compressors and control boards heading into winter. First-trip fix rate jumped, callbacks dropped, and reviews went up. Easiest money I've ever borrowed.”

Janelle R.

Owner, residential HVAC, Ohio

Common questions

Will this hurt my credit?

No. We use a soft credit pull to surface options, which does not impact your personal or business credit score. A hard inquiry only occurs if you accept an offer and complete a full application with that lender.

How fast can I get funded?

Most HVAC contractors see offers within minutes and are funded in 2 to 7 business days. Some lenders can wire same-day if you accept an offer before noon and your bank is on a major network.

What can I use the funds for?

Anything related to running the business — service trucks, tools, parts inventory, payroll, marketing, hiring, expansion, working capital. There's no purpose restriction once funds are in your account.

Do I need to be incorporated?

Most lenders prefer an LLC, S-Corp, or C-Corp, but some will fund sole proprietors with a strong personal credit profile. We'll show you what's available based on what you submit.

How much can I borrow?

Most HVAC contractors qualify for $10,000 to $500,000. Larger lines and equipment-secured deals can reach into the millions depending on time in business, revenue, and the collateral type.

Ready to compare offers?

Pick an amount and see what 60+ lenders can do. No credit hit.