Funding for hvac

Capital that ramps with cooling season and cold snaps.

HVAC demand spikes hard and seasonally. We connect contractors to lenders who fund trucks, technician hires, and equipment pre-buys so you can say yes to every install when the calls flood in.

Get my funding options (213) 785-8787

Need it fast? Tell us and we'll move your file to the partners who can act quickest.

HVAC technician servicing a rooftop air conditioning unit

Avg we put together

$78K

$0K

Avg amount we put together

$10K–$1M

Funding range available

100%

Of equipment cost financeable

Banks & partners we shop

What it funds

What HVAC owners use BadCreditBusinessLoan.com for.

Service trucks

Add or replace service vehicles and stock them for the season.

typically $30K – $250K

Equipment pre-buy

Buy condensers and units at pre-season pricing before demand spikes.

typically $15K – $200K

Technician hiring

Bring on and train techs ahead of the cooling-season rush.

typically $15K – $120K

Cash-flow line

A revolving line to float materials between install and customer payment.

typically $25K – $300K

Best fit for hvac

The funding we'd put on the table.

Equipment financing

Up to 100% of equipment cost financed, with the asset as collateral.

$15K – $5M · 2–7 yrs

Business line of credit

Revolving capital you draw on demand. Pay interest only on what you use.

$25K – $1M · revolving

Working capital loan

Short-term lump-sum capital for payroll, inventory, and operating costs.

$10K – $750K · 6–24 mo

Merchant cash advance

Advance against future card sales. Remits scale down on slow weeks.

$10K – $500K · 4–18 mo

Questions, answered

HVAC funding, demystified.

Don't see your question? Call (213) 785-8787 or email hello@badcreditbusinessloan.com.

No. Lenders that fund trades expect the cooling/heating-season swing. We weight your peak months and overall trailing revenue, and structure repayment to flex with the season.

Yes, and it is one of the smartest uses of a line. We can set you up with a revolving line you draw on for pre-season equipment and pay down as installs close.

Both the truck and the equipment that goes on it. Used vehicles are financeable too, subject to age and mileage.

Usually a quick application and the last 3 months of business bank statements. Larger equipment deals may need a vendor quote.

See what your HVAC business qualifies for.

Four minutes. Soft credit check. A pro who plans around your season, not against it.

Get my funding options

No tax returns required to start

Options put together within 1 business day

Seasonal-revenue friendly

Soft pull — your credit score is safe