HVAC Company Loans up to $575,000
Applying for a loan for your HVAC business can be a significant financial decision. We’ve already helped a large number of HVAC businesses prosper and can approve up to $575,000 within two business days. Find out if you qualify instantly now with no obligations, no fees, and no impact on your credit score.

Heating and cooling businesses must focus on advances in heating and cooling so they can stay ahead of the competition. In most cases, the newest devices are the most expensive.
HVAC company loans can help bridge the gap in funds so that you can offer the best packages to customers. In addition, acquiring the latest equipment and technology for remote testing and monitoring will help your HVAC business stand out from the competition.
What Are HVAC Company Loans?
Business loans for the HVAC industry can give HVAC businesses quick cash injections and stability. The extra funds also help cover day-to-day operations and unforeseen expenses.

Types of HVAC Business Financing
A variety of business funding options are available to HVAC contractors. Some of the most popular small business funding solutions for HVAC companies are listed below.
HVAC contractors can also apply for a small business loan to receive a lump-sum payment with a set payment schedule. Small business loans usually have a repayment schedule of several years. For HVAC companies, the Small Business Administration offers several types of SBA financing, including general loans, such as the 7(a), and real estate loans through the 504 program.
Merchant cash advances can also be used by HVAC companies to borrow against their future earnings. HVAC Companies repay merchant cash advances based on their sales.
A HVAC business line of credit may be a viable option for HVAC business owners in need of flexible financing. As with a credit card, this provides access to a revolving line of credit. By doing this, you’ll have to pay interest only on the amount you borrow. As repayments are made, the funds become available again.
Equipment used by HVAC contractors can be quite expensive, and it can be difficult to purchase with cash. If your business needs new equipment, consider equipment financing. Using this financing agreement, you can secure the funding you need for your HVAC business.
There are times when customers fail to make timely payments. Consider invoice financing if you have unpaid invoices from existing clients. You may be able to receive up to 80% of the money you are already owed by your HVAC business.
How Do HVAC Business Loans Work?
HVAC business loans are traditional installment loans and work the same way as other loans. After a loan gets approved, the lender releases a one-time lump sum payment for the amount of money a borrower was approved for.
After funds are released, the borrower will begin repaying the loan amount plus interest over a period of time.
Ways to Use HVAC Business Loans
Except for the SBA 504 and a few others, funds from a small business loan can be used for any financial needs within your HVAC business. This includes maintaining cash flow, paying technicians, purchasing supplies and HVAC equipment, growth strategies, contractor expenses, marketing campaigns, and other expenses associated with running an HVAC business.
How to Qualify for an HVAC Business Loan (With the Best Rates)
An HVAC company’s profitability can be impacted by accessing a loan. It is often important to consider interest rates when considering small business financing. Borrowers’ interest rates are determined by their credit score, length in business and collateral.
Some of these factors are beyond a company’s control, but a solid application in other areas, such as credit history, will save the company money.

How to Apply for the Best HVAC Company Funding
Eligibility Requirements
To be approved by MCashAdvance™, you must meet the following requirements:
- You must be a citizen of the United States or a legal resident
- You must be 18 years old or older
- Your HVAC business must be at least six months old
- You must have a credit score of 500 or more
Funding Limits
Your business’s financial health determines the amount of funding you can receive, but you may be eligible for up to $500K.
Term Length
Repayment periods range from 1 to 5 years. But, this may vary depending on the amount funded and sales volume.
Pros and Cons of HVAC Business Loans
Pros
Investing in strategic financing can enable businesses to expand rapidly. Also, small business loans may come with lower interest rates and more favorable terms.
Cons
Conventional lenders may reject loan applications from newer businesses with the greatest needs. SBA loan applications can also take months to process, and approval is not guaranteed.
Other Industries We Finance
Frequently Asked Questions About HVAC Company Loans
Local energy companies now give rebates to customers who install energy saving technology in their homes. As a result, energy saving central air conditioning and thermostat upgrades are in demand. There has never been a better time to be an HVAC business owner.
Invoice financing, business lines of credit, and merchant cash advances are three popular alternative options for HVAC companies to consider.
Even companies without high credit scores can still get loans from some lenders. However, to qualify for more favorable terms, many conventional lenders require you to have a credit score of at least 670. Consider alternative options, such as business cash advances, if your score falls below that.
Collateral may be required for HVAC business if the loan amount is large. Vehicles, real estate, and equipment can be used as collateral for a loan.
We can approve HVAC businesses for up to $500,000 with a minimum credit score of 500. Traditional loan options typically require a much higher credit score.

Funding Your Business Is Our Business
HVAC Loans Can Help Grow Your Business
HVAC companies can utilize loans to strengthen and grow their business by providing them access to additional cash. To find out if your HVAC business is eligible, simply apply here on our website or contact us today.
Does Your Business Need Funding Today?
There’s no fee or obligation, and it won’t impact your credit.
$5,000 – $1,000,000
Talk to a rep at (855) 433-8641
Mon – Fri | 9:00am – 8:00pm