HVAC Business Loans & Financing
Seasonal working capital and equipment financing for HVAC contractors & companies
- Apply free — no impact to your credit score
- Funding as fast as same business day
- 75+ lenders competing for your business
75+
Lenders
$500M+
Facilitated
5.0
Rating
Get your offers
How much do you need?
No hard credit pull · Takes 5 minutes · No obligation
Simple Process
Four steps to hvac funding
We've simplified the process so you can focus on running your business, not chasing lenders.
Apply in 5 minutes
Answer a few simple questions about your business. No paperwork, no branch visit.
We shop 75+ lenders
Your application goes to our entire lender network simultaneously. One application, many offers.
Compare your offers
See real offers side by side. We help you understand every term so you can choose with confidence.
Get funded fast
Accept an offer and funding can hit your account in as little as 24 hours.
Free · No credit impact · 5 minutes
Industry Expertise
We know the hvac business.
HVAC businesses operate in one of the most capital-intensive trades — outfitted service vans, refrigerant recovery equipment, seasonal inventory demands, and the constant pressure to staff up during peak seasons. Approvd connects HVAC businesses with 75+ lenders offering fast, flexible financing from $10K to $5M, so you can keep up with demand year-round, hire technicians in peak season, and invest in equipment without depleting cash reserves.
Use your funds to:
- Seasonal Revenue Peaks & Valleys — HVAC revenue is heavily seasonal — summer AC and winter heat drive peaks while shoulder seasons create cash flow gaps.
- Equipment & Van Costs — Outfitted service vans, refrigerant recovery equipment, and specialized tools represent significant capital investment per technician.
- Refrigerant & Parts Inventory — Pre-season refrigerant purchases and parts inventory require working capital investment before revenue is generated.
- EPA Certification & Licensing — EPA 608 certification, state contractor licensing, and insurance requirements create ongoing compliance costs.
"I applied on a Tuesday morning and had the money in my account by Wednesday. The whole process took maybe 10 minutes."
Marcus T.
HVAC Business Owner
Available Products
Financing options for hvac businesses
The most popular financing types that hvac businesses qualify for through Approvd.
Business Term Loan
Finance service vans, refrigerant recovery equipment, manifold gauges, diagnostic tools, and lift equipment with fixed monthly payments.
Business Line of Credit
Cover parts, refrigerant inventory, and payroll between jobs — draw what you need and repay as jobs are completed.
Revenue-Based Financing
Fast working capital with repayments that flex with seasonal revenue — lower payments in slow season, faster repayment in peak season.
SBA Financing
Best long-term rates for established HVAC companies purchasing a building, expanding significantly, or acquiring a competitor.
Qualifications
Do you qualify?
Most hvacbusinesses that apply through Approvd meet these basic requirements. If you're not sure, apply anyway — our advisors will find the best option available to you.
Ready to find out?
Apply in 5 minutes and get real offers from lenders who specialize in hvac financing. No obligation. No hard credit pull.
Common Questions
Questions from hvac business owners
What is the best loan for an HVAC company?
It depends on your need. For equipment and vehicles, a business term loan offers fixed payments and ownership. For seasonal working capital, a line of credit is most flexible. For fast cash, revenue-based financing funds same-day or next-day.
Can a new HVAC business get a loan?
HVAC businesses with 6+ months of revenue history and $10K+ monthly revenue can qualify for revenue-based financing and some term loan products. Newer businesses may need to start with smaller amounts and build history.
How much can an HVAC company borrow?
HVAC companies typically qualify for $10,000 to $2,000,000 depending on monthly revenue, time in business, and specific financing purpose. Larger established companies can access up to $5M.
Ready for funding?
See what you can qualify for through the Approvd marketplace. Apply free — no impact to your credit score.