Capital for your next installation project — HVAC Capital Hub
We connect HVAC contractors with lenders who understand seasonal cash flow and equipment costs.
Soft credit check only. No impact on your score.
- Seasonal slumps
- Fleet expansion
- Parts inventory
- Btu sizing
- Dispatch software
- Technician payroll
- Work order backlog
- Commercial install
HVAC business financing and capital growth
Financing options matched to your situation, in one place.
- Equipment Equipment financing Get commercial-grade machinery with financing that tracks with equipment value.
- Working Working capital Bridge the gap between service calls and getting paid with flexible liquidity.
- Credit Line of credit Keep a revolving balance for emergency repairs or sudden supply price hikes.
- SBA SBA term loans Access lower interest rates for long-term growth and large-scale upgrades.
- $10K–$500K Funding range
- 24–48 hours Time to decision
- 1 soft pull Credit inquiry impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Tailored for contractors
- Fast approval for seasonal dips
- No restrictive collateral requirements
Independent matching
- We are not the direct lender
- Objective platform for best rates
Simple documentation
- Submit tax returns and statements
- Digital application process
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Short operating history
Banks demand five plus years of records for small contractors.
Cyclical cash flow
Traditional institutions dislike seasonal off-season revenue gaps.
Equipment heavy assets
Conventional loans view equipment as debt rather than assets.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Residential HVAC owner
Purchasing three new service vans for growing fleet.
Commercial installer
Smoothing payroll during slow spring transition.
Custom home specialist
Expanding inventory for upcoming summer rush.
Multi-truck fleet
Facility upgrade and staffing expansion.
Liability and worker compensation insurance
Managing growth often means higher insurance premiums and expanded coverage needs. Compare rates for contractors to protect your technicians.
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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After just starting my trucking business I was strapped for cash. Matt took care of me and made sure I got the loan.
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They gave me a chance when nobody else would. I'm very satisfied.