Financing built for HVAC contractors
Stock parts, buy service vans, cover payroll through the shoulder season, and float big install jobs before the homeowner pays. See what your heating & cooling business qualifies for in about 2 minutes.
- No upfront fees
- Checking options won't affect your credit
- Funding in as fast as 24 hours
See what your business qualifies for
Answer a few questions and get matched to your best-fit option. Zero upfront fees. Checking won't impact your credit.
- A+ BBBAccredited business
- Zero upfront fees
- Soft credit check
- $500M+
- Funded to small businesses
- 4.9/5
- Trustpilot rating
- 24 hrs
- Fastest time to funding
- Funding amount
- $10K – $5M
- Funding speed
- As fast as 24 hrs
- Time in business
- 6+ months
- Min. monthly revenue
- $15K+
How it works
From application to funding in three simple steps.
- STEP 1
Tell us about your business
Answer a few quick questions about your roofing company and how much you need. It takes about two minutes and uses a soft credit check.
- STEP 2
Get matched to your best-fit option
We compare options across our lending network and surface the products your business actually qualifies for — no guesswork.
- STEP 3
Get funded
Review your offer, e-sign, and receive funds — in as fast as 24 hours for working capital.
Financing options for roofing businesses
Compare the business financing products your roofing company can get matched with.
HVAC Equipment & Van Financing
Service vans, recovery machines, and shop tools — financed.
- Amount
- $10,000 – $2,000,000
- Funding speed
- 1–3 business days
Working Capital for HVAC Shops
Bridge parts deposits and payroll through the slow season.
- Amount
- $10,000 – $1,000,000
- Funding speed
- As fast as 24 hours
HVAC Business Line of Credit
Draw for each job, repay as the homeowner pays you.
- Amount
- $10,000 – $500,000
- Funding speed
- 1–2 business days
HVAC Business Term Loans
A lump sum for a shop expansion or fleet build-out.
- Amount
- $25,000 – $5,000,000
- Funding speed
- 2–5 business days
SBA Loans for HVAC Companies
Lowest rates, longest terms — for established contractors.
- Amount
- $50,000 – $5,000,000
- Funding speed
- 2–6 weeks
Estimate your payment
Get a quick, representative idea of monthly cost before you apply.
Estimate your monthly payment
A representative estimate at 8%–30% APR. Actual rates and terms vary by business and product.
See what your business qualifies for
Answer a few questions and get matched to your best-fit option. Zero upfront fees. Checking won't impact your credit.
- Your information is encrypted and never sold.
- No obligation — getting matched is free.
Matched through Big Think Capital's lending network.
Frequently asked questions
Will checking my options affect my credit score?
No. Seeing what your HVAC business qualifies for uses a soft inquiry that does not impact your personal or business credit score.
Can I finance service vans and equipment together?
Yes. Equipment financing can cover service vans, recovery machines, vacuum pumps, sheet-metal tools, and diagnostic gear — often bundled into a single payment that matches the equipment's useful life.
How do I get through the shoulder season between cooling and heating demand?
Working capital and a business line of credit are built for this. Use them to make payroll, pre-buy condensers and furnaces, and keep your best techs on staff until the next rush — then repay as jobs come in.
Do I qualify if my heating & cooling company is only a year old?
Often, yes. Most options require at least 6 months in business and around $15,000+ in monthly revenue. Newer contractors may have fewer options but can still get matched.
Is this consumer financing I offer to homeowners?
No. HVAC Financing is strictly business financing for HVAC contractors and heating & cooling companies — funding for the business itself, not consumer or homeowner installment loans.
Disclaimer
HVAC Financing is a business financing marketplace powered by Big Think Capital that connects HVAC contractors and heating & cooling companies with funding. We are not a direct lender and do not guarantee funding, approval, rates, or terms. All examples are representative only and are not an offer or commitment to lend. Actual rates, fees, and terms are set by the funding lender and depend on your business and credit. Business financing for HVAC companies only — we do not offer consumer or homeowner installment loans.
Representative APR ranges from 7% to 45% depending on product, business profile, and credit.