SBA Loans for HVAC Companies
Government-backed SBA financing offers some of the lowest rates and longest terms available — well suited to established heating & cooling companies buying real estate, acquiring a competitor, or making a major fleet investment.
- Amount
- $50,000 – $5,000,000
- APR
- 7% – 14%
- Term
- 60 – 300 mo
- Funding speed
- 2–6 weeks
Best for
Established HVAC businesses seeking the lowest cost of capital.
What you get
- Among the lowest available rates
- Terms up to 25 years
- Larger funding amounts for acquisitions
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.