Construction & Trades
Business Funding for HVAC Businesses
HVAC companies face a seasonal revenue cycle that makes cash flow management difficult. Summer and winter are peak seasons, but you still need to cover truck payments, insurance, and technician salaries during the slow months. Stocking furnaces, condensers, and parts ties up significant working capital.
Common Uses
What HVAC Businesses Use Funding For
- Stock inventory on furnaces, air handlers, and condensing units before peak season
- Purchase or outfit new service vehicles with tool storage and ladder racks
- Cover technician wages and benefits during slower spring and fall months
- Invest in EPA-compliant refrigerant recovery equipment and tools
Funding Options
Best Funding Types for HVAC Businesses
Business Line of Credit
Draw funds during slow months and repay during peak season. HVAC businesses benefit from revolving credit because revenue swings are predictable and lenders can underwrite around seasonal patterns.
Equipment Financing
Finance recovery machines, vacuum pumps, and diagnostic equipment. HVAC tools hold their value well, so lenders are comfortable with longer terms and lower down payments.
Revenue-Based Financing
Repayments flex with your monthly revenue, which means you pay less during the slow shoulder seasons and more when service calls are nonstop. This prevents cash crunches in April and October.
What Lenders Look For
Qualification Notes for HVAC Businesses
Related Industries
Related Construction & Trades Funding
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