Seasonal Swings
Summer and winter peaks demand inventory and labor up front, while shoulder seasons leave cash thin.
Industry Funding
Stay ahead of
Stay ahead of
every season.
HVAC demand spikes hard and then goes quiet. We fund inventory ahead of peak and keep your trucks rolling through the slow months.
The Challenges
What slows down hvac.
The HVAC calendar is feast or famine. Capital has to flex with it.
Inventory Timing
You need units and parts stocked before the heat wave hits — not after demand has already passed.
Fleet Costs
Service trucks and replacement vehicles are expensive, and a truck off the road is revenue lost.
Funding Solutions
Funding built for hvac.
Products that bend with the HVAC season instead of fighting it.
Line of Credit
A revolving line stocks seasonal inventory before peak and reloads as installs get paid.
Explore Line of CreditShort-Term Loans
A fast lump sum covers a big pre-season parts order or a surge in hiring, repaid as the busy months roll in.
Explore Short-Term LoansEquipment Financing
Finance service trucks and diagnostic gear with the asset as collateral, keeping cash on hand.
Explore Equipment FinancingSame day
Fastest funding
$500K
Line of credit
18 mo
Short-term option
100%
Truck financing
Use Cases
What hvac businesses fund.
- Stocking units and parts before peak season
- Adding or replacing service trucks
- Covering payroll through the off-season
- Funding a large commercial install
- Upgrading diagnostic and install tools
“We loaded up on inventory before the summer rush using a line of credit. We never told a customer we’d have to wait on parts — that’s a first.”
MT
Mike Tran
Owner, Summit Air Mechanical
Eligibility
Most hvac businesses qualify with 6+ months in operation, $15K+ in monthly revenue, and a 500+ credit score. Checking your options takes minutes and won’t affect your credit.
Fund the peak before it arrives.
Stock up, staff up, and keep every truck rolling — whatever the season.