HVAC Business Loans
Finance service vans, install equipment, and tools with rates starting at 7% — plus seasonal payroll — HVAC contractors get approved in as little as 24 hours.
Common Uses of HVAC Financing
Equipment We Finance for HVAC Companies
Rates starting at 7%, with 100% financing available on many purchases — new, used, or private-party.
HVAC Equipment Financing FAQs
What HVAC equipment can be financed?
Service vans, install tools, ductwork fabrication equipment, diagnostic tools, and most other equipment HVAC contractors use day to day.
Can I finance a service van or box truck?
Yes. Vehicle financing for service vans and box trucks is available, often alongside equipment financing in the same application.
Is 100% financing available for HVAC equipment?
Yes. Many HVAC equipment financing programs offer 100% financing, so you can equip more trucks and technicians before peak season.
How fast can HVAC contractors get approved?
Many HVAC equipment financing applications are approved within 24 to 48 hours.
Can I finance equipment before busy season starts?
Yes. Financing ahead of peak season is one of the most common uses of HVAC equipment financing, since fast approval means you can equip more trucks before demand hits.
Find HVAC Loans in Your State
Funding availability and approval requirements vary by state and city. Select your location to see local lenders, rates, and programs available in your market.
Browse State Loan Pages →Compare HVAC Funding Options
One application. Multiple lenders. Fast decisions.