Finance the systems
that keep operations running.
Rooftop units, heat pumps, boilers, commercial controls, and service vehicles. We finance HVAC with lenders who understand seasonal cash flow and system residuals.
Commercial HVAC
and service equipment.
Rooftop Units & Split Systems
Carrier AquaEdge, Trane Sintesis, Lennox, York, Daikin. Packaged AC and heating for commercial and light industrial. $20K to $150K per unit.
Heat Pumps & Ductless Systems
Air-source and ground-source heat pumps. Ductless mini-split systems for efficiency upgrades. Mitsubishi, Fujitsu, LG. $15K to $80K.
Commercial Boilers & Radiant
Steam and hot-water boilers, radiant heating, hydronic circulation. Lochinvar, Burnham, Watts. $30K to $200K.
Building Automation & Controls
BAS systems, thermostats, dampers, energy management. Honeywell, Johnson Controls, Trane. $10K to $100K.
Service & Diagnostic Equipment
Vacuum pumps, charging equipment, pressure gauges, diagnostic tools. Field equipment packages. $5K to $50K.
Air Quality & Filtration
UV purification, electronic air cleaners, high-efficiency filters, humidification. Aprilaire, Tradewinds. $5K to $50K.
Ventilation & Make-Up Air
Commercial ERV/HRV systems, dedicated outside air handlers, code-compliance units. $15K to $100K.
Service Vehicles & Mobile Equipment
HVAC service vans fully outfitted with diagnostic and installation gear. Vehicle plus complete tool set. $30K to $150K.
Residential service to multi-unit commercial, we structure deals for all scales. Transactions up to $5,000,000+. New, refurbished, and used equipment all eligible.
HVAC is seasonal.
We structure for it.
Seasonal payment structures
Winter heating and summer cooling create revenue peaks. We work with lenders who offer seasonal payment schedules—lower during shoulder seasons, higher during peak months—matching your actual cash flow.
Equipment holds strong residuals
Commercial HVAC from Carrier, Trane, and Lennox holds value. We use equipment residuals to negotiate better terms from lenders who understand the market.
Service fleet growth financing
Scaling from one service truck to a fleet? We bundle vehicles and diagnostic equipment into deals timed to your growth.
Fast emergency replacement
System failure in peak season means lost revenue by the hour. Same-day pre-approval lets you move fast.
Multi-unit and fleet bundling
Rooftop units across multiple buildings or a fleet of service trucks bundle into one transaction with better pricing.
Used equipment financing
Pre-owned units from established manufacturers are financeable with documentation. Used gear often finances faster.
Simple application.
Fast decision.
Apply online in about four minutes. Equipment type (rooftop, boiler, service trucks), estimated cost, business info. We run a soft pre-qualification and return preliminary terms same day in most cases. A hard credit pull may be part of final approval.
With 50+ lender relationships, we find the right fit for your deal. Standard or seasonal payment structures matched to your revenue cycle. Lease, $1 buyout, term loan, or sale-leaseback options available.
Terms up to 84 months. Decisions often within hours, not days.
Ready to finance HVAC equipment? Talk to a specialist who knows the trade, no call centers.
HVAC Equipment Financing,
Answered.
Can I structure seasonal payment plans?
Yes. HVAC contractors have peak seasons (summer/winter) and slower periods (spring/fall). We work with lenders who offer seasonal pricing—higher payments during peaks, lower during shoulders—timed to your revenue calendar.
How does Section 179 work for HVAC equipment?
Under a $1 buyout lease or Equipment Finance Agreement, you get Section 179 deductibility in the year placed in service. On a $100K rooftop unit, that's potentially $28K+ in immediate deductions. Consult your CPA for your specific deduction amount.
Can I finance service trucks and diagnostic equipment together?
Yes. Vehicles, diagnostic tools, compressors, charging equipment, and inventory management can bundle into a single lease or term loan.
Can I finance used or refurbished HVAC systems?
Yes. Quality pre-owned rooftop units and boilers from Carrier, Trane, and Lennox are financeable with documentation. Used equipment often finances faster because residuals are well understood.
What credit and business financials do I need?
Most lenders prefer 2+ years operating history with documented revenue. HVAC contractors with reasonable credit (typically 700+) and seasonal revenue documentation often qualify. Strong equipment residuals support the lender.
Can I upgrade equipment mid-lease?
Some lease structures include mid-lease upgrade options, allowing you to replace aging systems or add higher-efficiency equipment. Discuss your upgrade timeline and technology roadmap upfront.
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Explore →Let's look at your
equipment deal.
No pressure. No promises on rates. Just an honest look at what we can structure for your HVAC operation.