This Is Why You're Here
Why HVACs Come to Us Instead of Their Bank
Summer hit early and you're booking $15K residential installs back-to-back. But you need $60K in Carrier and Daikin inventory upfront and your distributor cut your credit terms.
You won a $350K commercial HVAC contract for a new office building. Mobilization and equipment cost $90K before the first progress payment. Your bank wants to see the signed contract — which you already have.
It's January, installations are slow, but your 6 techs still need paychecks. You need $40K to bridge to spring when service calls pick back up.
Your refrigerant recovery machine failed inspection. EPA compliance means a $12K replacement plus $3K in reclaim equipment — and you can't legally work without it. Your supply house doesn't offer financing.
A school district awarded you a $280K HVAC replacement contract for 3 buildings. Payment is net-90 through the district's procurement office. You need $65K in rooftop units and ductwork before you touch the first building.
Scored a $350K commercial HVAC job but needed $90K to mobilize. Got three offers in 24 hours and picked the best rate. Couldn't believe how fast it moved.
Brian T., HVAC Contractor, Denver, CO
HVAC Financing
Get Your HVAC Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why HVAC Businesses Choose Basecamp
Seasonal Ramp-Up Capital on Demand
You need $60K in Carrier and Daikin mini-splits before summer hits but your distributor just cut your credit terms. We fund inventory purchases in 24-48 hours so you're stocked before peak season.
Commercial Rooftop Units Financed Fast
A single commercial rooftop unit costs $30K-$80K. Your customer won't prepay and the supply house wants COD. Equipment financing with the unit as collateral gets you installed on schedule.
Off-Season Payroll Doesn't Stop
January is dead but your 6 techs still need paychecks. A line of credit drawn in November and repaid by April costs about $2K in interest — way cheaper than rehiring a trained team in spring.
Recovery Machines and Reclaim Equipment
EPA compliance means $8K-$15K in recovery machines and refrigerant management tools. Finance the compliance gear and keep your cash for the installs that actually make money.
Bobby's Take
Bobby's Playbook for HVAC
Most HVAC contractors walk into a bank and get evaluated against a 5-year operating-history checklist — not the seasonal demand pattern plus maintenance-contract recurring revenue they actually have right now. Lenders who specialize in HVAC contractors look at the work in front of you, not the work behind you. They underwrite your change-out program economics and shoulder-season cash-flow profile. Here's how to position your transaction so the right specialists see it first.
Three things determine whether an HVAC contractor transaction closes: trailing 12-month revenue (not just last quarter), service-contract or maintenance-program revenue, and your seasonal-staffing plan. Not your personal FICO. Not your time in business. Specialist HVAC lenders care about whether your annualized revenue supports a $1,500-$3,500/month payment — and whether your service-contract base gives the file year-round recurring revenue between summer and winter peaks.
The biggest mistake HVAC contractors make: applying for financing in March, when the last 4 months of bank statements show winter slowdown. The lender sees the dip and underwrites to it. The fix: time the application after the May-September peak, OR submit trailing-12-month figures that show the full annual cycle. Specialist HVAC lenders pattern-match seasonal HVAC cycles. Generalist lenders look at the last 4 months and assume that's the run rate.
summer change-out revenue capped without truck capacity
Where this gets interesting at scale: an HVAC contractor adding a service truck, expanding into commercial HVAC, or buying a yard doesn't need ONE loan. They need equipment financing for the new truck and refrigerant equipment + a working capital line for seasonal-inventory and overtime payroll + sometimes a SBA 7(a) for the yard or warehouse. Three products, three lenders, one application — that's how single-truck HVAC shops scale into multi-truck commercial-and-residential operations.
The HVAC contractors who scale fastest aren't the ones who waited for spring deposits to hit before adding capacity. They're the ones who had service-truck and equipment capacity ready before peak-season call volume hit. Capping summer change-outs because you can't keep up is $30,000-$80,000 a month in deferred revenue going to competing shops. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your HVAC business this week.
Bottom line:
HVAC contractors get squeezed by lenders who underwrite on March statements. Submit trailing 12 and a specialist pattern-matches the seasonal cycle — that's the difference between a March decline and a May funding.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges HVACs Face
Pricing Transparency
What HVAC Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for HVACs
Finance the equipment. Keep your cash. Take the deduction. Your service van + tools costs $42,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your trade, current jobs, and bid pipeline. No bonding docs yet.
Soft Credit Screen
We screen options with zero impact to your FICO or bonding capacity.
Construction-Specialty Lenders Compete
70+ lenders who underwrite GCs, electricians, plumbers, and concrete contractors review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through structures, draw schedules, and how each affects your bonding line.
Choose Your Offer, Sign, Get Funded
E-signature. Funds land in time to cover materials and crew before the first draw.
HVAC Capital Uses
What HVAC Businesses Use Funding For
Payroll & Operations
Bridge cash flow gaps. Keep crews paid when receivables run 30-60-90 days.
Job Mobilization
Fund upfront costs — materials, permits, equipment rental — before first draw.
Scale & Win Bigger Jobs
Take on larger contracts. Expand territories. Hire key staff.
AI & Technology
Drones, AI estimating, GPS fleet tracking, project management tools.
Equipment & Vehicles
Excavators, dump trucks, skid steers. Finance or lease — all established businesses.
Marketing & Branding
Truck wraps, websites, Google Ads. Build the brand that wins contracts.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your hvac business?
Your lender will require proof of general liability and workers' comp before funding equipment over $50K. Our sister company InsuranceService365.com binds contractor policies same-day across 29 states — so insurance never holds up your funding.
Don't Wait Until You Need Funding to Get Funded
GC payments are net-30/45/60 by industry default. The contractors who win on price are the ones with capital to mobilize before the first draw. The contractors who win on schedule funded BEFORE the job started — not after the supplier called about a past-due invoice. Pre-qualify when the bid pipeline is steady.
Ready?
See What Your HVAC Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Contractors Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for HVAC Businesses
Working Capital
Bridge payroll and materials between draw payments. Fund in 24 hours.
Learn More →Equipment Financing
Finance excavators, trucks, and tools — the equipment is the collateral.
Learn More →Business Line of Credit
Draw for materials when you need them, repay when the GC pays.
Learn More →Invoice Factoring
Convert 30-90 day receivables into same-day cash.
Learn More →FAQs
HVAC Business Loan FAQs
HVAC Business Loans — $10K to $20M+
Look — HVAC is a seasonal trap. You do 70% of your revenue between May and September, but your distributor wants $60K in Carrier inventory paid upfront and your 6 techs need paychecks in January when the phone stops ringing. I talk to HVAC contractors every week stuck in this exact cycle. Their bank sees winter deposits drop and panics. We don't.
We fund HVAC companies — residential installs, commercial rooftop units, refrigeration, ductwork — in as little as 24 hours. One application. 70+ lenders. Soft-pull pre-qual. I've funded $80K commercial rooftop unit packages, $40K winter payroll bridges, $25K recovery machine upgrades, and $350K commercial contract mobilizations. Your service contracts are recurring revenue — our lenders actually understand that.
Stop Letting Slow GC Draws Park Your Crew. Get Your HVAC Business Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide