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HVAC Business Loans  

SmallBusinessLoans connects you to our trusted network of lenders who offer HVAC business loans with flexible financing options up to $500,0001 to support your business’s growth and success.

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HVAC Business Loans & Company Financing for Equipment & Systems

A customized financing solution

Your small business needs are unique. We’ll match you with the right loan option to solve for them.

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Fast funding

Get your cash in 24 hours.1

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Flexible terms

Make hassle-free payments.

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Personalized options

Find solutions fit to your needs.

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Multiple use cases

Use for almost any business purpose.

Your Guide to Financing Your HVAC Company

HVAC businesses play a vital role in keeping homes and businesses comfortable and safe. From providing essential heating and cooling services to performing maintenance and repairs, Heating, Ventilation and Air Conditioning companies like yours are essential to the well-being of the people you serve.

With so many competitors vying for customers’ attention, standing out and differentiating yourself from the competition can be challenging, not to mention the ebbs and flows of business due to seasonal demand. Additionally, customer expectations are continually evolving, with many now expecting personalized and technology-driven solutions.  As new technologies emerge, HVAC specialists must stay up-to-date to remain competitive and meet customer expectations. These challenges can make it difficult to thrive, which is why having access to reliable financing options can be so crucial.

That’s where we come in. is committed to helping heating and air company owners like you access fast funding to keep you stable, even during the slower spring and fall seasons when cashflow may be tight. Whether you need to invest in new equipment, expand or educate your team, or cover unexpected expenses, our team of financial experts can help you find a loan that fits your unique needs.

Read on and learn everything you need to know about financing your HVAC company needs, from the different types available to what they can be used for, how to qualify, and much more.

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Frequently Asked Questions

Frequently Asked Questions

When it comes to financing HVAC equipment, there are specialized equipment loans available that can help businesses purchase or replace the necessary equipment. These loans are often secured by the equipment itself and typically come with longer repayment terms than short-term loans, but it’s important to keep in mind that the lender may seize the equipment as collateral if the loan defaults.

Qualifying HVAC businesses can receive up to $500,0001 in capital from one of our lending partners.

Traditional lenders often require high credit scores to get approved. However, our alternative lending partners offer more flexibility and options for approval. Connect with a lender today to explore your financing options to see if you qualify.

SBA loans can be used for HVAC businesses. However, SBA loans have extensive requirements and long approval times, which makes it difficult to secure funding in a timely manner. Alternative lenders provide fast processing times and easier-to-meet qualifications with higher approval ratings.

With our trusted partners, most funds are deposited within 24 hours1 upon approval. However, this depends on the type and terms of the loan. SBA loans often take even longer, with funds becoming available after several weeks, if not months.


Quick & easy small business financing

Apply for a small business loan

We’ll help you get the quick financing you need to grow your small business—and without all the rigmarole.