HVAC is brutally seasonal and cash-intensive, you stock equipment and parts ahead of the rush, float materials on big installs, and make payroll long before a builder's draw or a customer's financing clears. Banks see the seasonal swings and hesitate. We fund on your revenue so you never have to turn down work.
Fast reviews · Clear communication · No misleading promises
HVAC demand spikes with the first heat wave and the first hard freeze, then goes quiet in between. You buy units and parts ahead of that demand, dispatch trucks and crews that cost money every day, and on new-construction work you often carry materials and labor until a builder's draw lands weeks later. A profitable shop can still hit a cash wall right before its busiest month.
Revenue-based funding reads your deposits and card volume instead of fixating on the seasonality, so you can stock up before the rush, add a truck, or cover payroll through the shoulder season, and repay as the season delivers.
Stocking units, compressors, and parts
Truck purchases and upfits
Payroll through the shoulder season
Tools and diagnostic equipment
Floating materials on new-construction jobs
Marketing before peak season
Financing customer installs up front
Expanding into a second service area
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly revenue
An active business bank account
Steady deposits or card volume
U.S.-based HVAC business
3–6 months of business bank statements
Recent card-processing statements (if applicable)
A government-issued photo ID
Business info (EIN, license)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Heat wave hit and stock ran low
Funded fast, restocked and kept installing
Builder's draw 45 days out
Drew to cover materials, repaid on the draw
Adding a second install truck
Lower-rate financing for the truck and gear
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on revenue, not just credit
Capital in hand before the season turns
Service shops and install contractors
Straight talk, no guaranteed-approval hype
Built to absorb seasonal swings
One conversation to compare every fit
“The first 95-degree week wiped out our stock and we couldn't get ahead. Funding let us restock overnight and we booked our biggest July ever.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
We tailor funding to specific businesses across the industry, explore the others.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.