HVAC Contractor Funding — Bridge the Gap Between Jobs and Payments

Equipment and Parts Paid Upfront

HVAC units, refrigerant, coils, and parts are purchased before the job starts. Customers pay after installation. On a $15,000 job, you're carrying that cost for 2–4 weeks before the check arrives.

Technician Payroll Can't Wait for Customer Payments

Your techs are paid weekly regardless of when homeowners settle their invoices. During summer surge season, you could have 5–8 technicians on the payroll for weeks before the revenue catches up.

The Slow Season Follows Immediately

Revenue swings from $250,000/month in July to $85,000 in October while payroll, insurance, and truck payments stay flat. Companies that don't build reserves heading into fall feel it hard.

ACH Funding

A lump sum based on your monthly revenue, repaid via fixed daily ACH debits. Ideal for covering equipment purchases and payroll while waiting on customer payments to come in.

Line of Credit

Revolving access to capital across multiple jobs. Draw when you need parts or payroll, pay it down when invoices come in. Only pay on what you use.

Equipment Financing

Finance service vans, diagnostic equipment, and tools with the equipment as collateral. Grow your fleet without draining working capital.

01

Apply in 10 minutes

Basic business info and 3 months of bank statements. No tax returns required for most applicants.

02

Same-day decision

Most applications get a decision within a few hours. No waiting on a bank committee.

03

Funded in 24–48 hours

Money hits your account fast enough to buy equipment before the next job starts.