HVAC Contractors — Equipment Financing
HVAC contractors lose jobs because they can't move fast enough — not because they lack the skills. Equipment financing lets you add a van, replace a broken unit, or stock up on parts without waiting for your next invoice to clear.
6 Months
Min. Time in Business
Requirements vary by product and deal profile. All scenarios reviewed individually.
If it helps you take on more jobs or run your operation more efficiently, it can likely be financed. Here is what HVAC contractors most commonly fund.
Ford Transit, Ram ProMaster, Sprinter — financed as a fleet or individually
Rooftop units, split systems, chillers, heat pumps, VRF systems
Manifold gauges, refrigerant recovery units, leak detectors, vacuum pumps
Scissor lifts, boom lifts, ladders, scaffolding for commercial installs
Pre-stocked parts inventory for service contracts and emergency calls
Field service management software, GPS fleet tracking, scheduling tools
The HVAC contractors who build lasting businesses don't just finance equipment — they build a capital strategy. An equipment loan establishes your lending history. A working capital line handles the gaps between jobs. And eventually, owning your own warehouse or yard is the move that changes your cost structure permanently.
We work with HVAC contractors at every stage — from the first van to the building purchase. When you're ready for the next step, we're already familiar with your business.
Tell us what you need. We'll find the right lender and get back to you within 48 hours.
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