Funding for HVAC in All 50 States
Fast, flexible capital for HVAC contractors and installers in All 50 States. Up to $2,000,000, decisions in 24 hours, and no collateral.
See What You Qualify For →Capital built for hvac
Equipment, seasonal demand swings, and big upfront material costs make HVAC one of the most capital-hungry trades. We fund HVAC businesses fast so you can stock units, cover payroll between installs, and say yes to the next big job.
How HVAC business funding actually works
HVAC is a seasonal, equipment-heavy trade: you stock condensers and air handlers before the summer rush, front $5,000–$15,000 of equipment per install, and wait on builders and commercial accounts that pay in 45 to 90 days. The shoulder seasons still demand payroll and truck payments while call volume drops. HVAC funding is designed around that curve.
Two structures that fit HVAC contractors
Working-capital funding. Stock equipment ahead of peak season, cover payroll through the slow months, or carry a commercial job between draws — repaid as revenue comes in.
Equipment capital. Service vans, recovery machines, sheet-metal tooling, and diagnostic gear that expand what you can bid.
What HVAC owners use it for
Pre-season equipment inventory, install materials, tech payroll and hiring, vans and fuel, maintenance-agreement marketing, and bridging builder receivables. From $10,000 to $2,000,000 based on monthly revenue.
Why contractors skip the bank
A bank sees seasonality as risk; we see a revenue pattern to fund around. No collateral, bad credit considered, about 24 hours to a decision, and funds within 24–72. Most HVAC companies qualify with 3+ months operating and roughly $10,000+ in monthly revenue — recent business bank statements start it.
Why owners choose ShopFunders
Decisions in 24 hours
Apply in 2 minutes and get a real answer fast — no waiting weeks on a bank.
No collateral required
Unsecured funding based on your revenue and business health, not your assets.
Built for your industry
Structures that fit how HVAC contractors and installers actually earn and spend.
HVAC funding across the country
We fund HVAC contractors and installers nationwide.
Frequently asked questions
How do HVAC companies get funding?
HVAC contractors qualify based on monthly revenue, not collateral — usually $10,000 to $2,000,000 with 3+ months in business and about $10,000+ in monthly revenue. Recent business bank statements start it; decisions arrive in about 24 hours.
Can I get capital to stock HVAC equipment before peak season?
Yes. Working capital funds pre-season inventory — condensers, air handlers, install materials — and covers payroll through shoulder months, repaid as install and service revenue comes in.
Does seasonal revenue hurt my approval?
No. Seasonality is expected in HVAC; underwriting reads your yearly revenue pattern rather than punishing slow months, and funding is commonly sized to bridge exactly that curve.
How much funding can I get?
Most businesses access $10,000 to $2,000,000, based mainly on monthly revenue and business performance.
How fast can I get funded?
Approvals can come in as little as 24 hours, with funds typically deposited within 24–72 hours of accepting your offer.
Will applying hurt my credit?
No — applying requires no credit check. We focus on your business revenue and don't pull credit until you review and sign terms.
Do I need collateral?
No. Our funding is unsecured and based on the health of your business, not your assets.
Ready to fund your hvac business?
Join the owners who chose speed and a partner that says yes. Get your estimate in 2 minutes.
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