Find the best loan for your HVAC Company. Compare, Choose, and Save.

Find the best loan for your HVAC Company. Compare, Choose, and Save.

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Best Business HVAC Business Loans

The HVAC business, specifically heating and cooling contractors, are always in need of working capital due to the nature of their business and industry. Efficiency standards and regulations are also significant issues that HVAC contractors face when installing HVAC systems. Getting small business financing helps small businesses, like contractors, balance multiple jobs or new construction HVAC system jobs that are being worked on when the need to purchase supplies and meet payroll and other business expenses occur, whether or not customers pay on time.

Traditional bank loans have always been challenging to get funding for the HVAC industry. AdvancePoint Capital has a network of multiple lenders that can provide financing to your HVAC business so you can focus on running your business and making it grow. We can be a valuable resource to find the best loan terms regardless of credit score. Experience service that you won’t see at banks and submit your loan application with us.

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AdvancePoint Capital makes the loan application process a simple, straightforward experience.

The 7 Best Business Financing Options for
HVAC, Heating, and Cooling Contractors

There are many options that HVAC business owners can use to their benefit. An HVAC contractor loan can assist with a wide range of funding needs. Finding the right HVAC financing that works for your business may take some guidance. That’s why we put together the seven best financing options for HVAC businesses. Each of these HVAC business loans offers unique benefits and qualities that may work for your HVAC company. Take a look at which one is for you.

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Long-Term Small Business Loans for HVAC Companies

Long term business loans are a great option for a large business expansion when businesses are looking to increase revenue and need to invest a lot of money in the business to grow. Long term loans offer great interest rates and affordable repayment paid back over terms of 5 to 10 years and provide affordable payments for the businesses current revenue levels.

Short-Term Business Loan for a California Small Business icon

Short-Term Small Business Loans for HVAC Companies

Working capital loans, such as short term loans, are often used when businesses can not get approved from a traditional lender. Loan terms are shorter in duration to compensate the risk of credit or other issues for many lenders.

Business Line of Credit

Business Lines of Credit for HVAC Companies

A business line of credit is a revolving line with affordable interest rates. The credit line is approved up to a credit limit and you are only responsible for interest on the outstanding balance.

Equipment Financing for a California Small Business

Equipment Financing for HVAC Companies

HVAC equipment is an essential part of the operations of a HVAC business. Purchasing HVAC equipment can be expensive. Equipment loans & leases are a great financing option that spreads to cost of purchasing over years with affordable monthly payments.

SBA Loan

Small Business Administration (SBA) Loans for HVAC Companies

The Small Business Administration offers an SBA loan and sets the guidelines & requirements for approved lenders who actually provide and service the loan for small businesses. The SBA offers a guarantee for the approved lenders so they will take on the risk. SBA loans have competitive rates and terms that are highly desirable but you must have a good credit score for SBA loans.

Invoice Financing

Merchant Cash Advance for HVAC Companies

Merchant cash advance is a future sales receivables agreement agreement that is offered by alternative lenders when a business cannot get approved for traditional financing options. A lump sum of money is advance to a business based on annual revenue and repaid by the funder taking a fixed percentage of future sales deposits until paid back in full.

Merchant Cash Advance for a California Small Business

Business Credit Cards for HVAC Business

A business credit card supplements other HVAC financing. Credit cards are commonly used to purchase new equipment or to make payments. Customers incur interest only on outstanding balance as its a revolving line of credit.

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Identify Why You Need a Business Loan

The first step in any search is clearly defining why your small business needs HVAC business loans. The “why” will direct you many times to the right HVAC business loan. Working capital is the most popular reason because there are so many ways it can be used. When cash flow gets tight due to fluctuations in sales, extra capital can provide the buffer needed to carry the business through rough times. Other reasons for the need for business financing include, but not limited to:

Working Capital

Sometimes cash flow can get tight, and a working capital loan is needed to maintain proper levels of money to operate the business.

Business Needs

A new venture that requires a down payment, upfront capital, recruiting key employees, initiating a new business relationship, or research and development.


Common need for eCommerce, manufacturers, and other retailers.

Infrastructure Improvements

This category could include a move to a more prominent location or office that requires capital.

Information Technology & Software

In today’s world, capital may be needed for business needs related to website development and site maintenance, customer relations management software, computers, machines, and other products essential for a business’s success.


Small business owners need funds to promote their business. A variety of advertising strategies include internet marketing, direct mail, radio advertising, flyers, and paper ads, to name a few.


Most small businesses have some type of equipment. Perhaps you’re a business that requires machinery, furniture, medical equipment, construction equipment, computers, or tools. These are common requests from restaurants, auto repair shops, construction industries, medical practices, and manufacturers.

Benefits of Business Loans for
HVAC Businesses

Working Capital Loan

One of the significant challenges of the HVAC business is managing the flow of receivables. Most HVAC business projects have completion dates and time frames that can fluctuate with delays in air conditioning systems and other projects out of their control, causing incoming revenue unpredictability. Coupling that with day-to-day expenses like building materials and other payments creates issues in the bank account. An HVAC project is unpredictable by nature. 

HVAC business financing solves that problem by filling immediate issues like customer payment delays, supply and equipment purchases, payroll, and general operating expenses that commonly occur on an HVAC project. If you own an HVAC business, you know how vital these HVAC loans can be to operational costs, progress, and growth. HVAC business loans and other financing options give HVAC small business owners the freedom to take on new opportunities through smart funding from qualified third-party lenders provided by AdvancePoint.

Owning Your Equipment

Equipment financing allows HVAC contractors to own their equipment, saving money long-term on renting equipment for jobs they are working on, making higher margins of profit on work. Whether a small operation or larger heating, ventilation, and air conditioning enterprise, owning equipment plays a significant role in savings and cost-effectiveness. Regardless of your time in business, considering equipment loans is always an excellent long-term investment that can make a real impact over time for HVAC companies.

Marketing and Advertising

Many HVAC contractors need advertising to maintain or grow their sales and customers. HVAC business loans allow companies to design and optimize their websites on the internet for greater exposure and sales. Other internet methods to acquire customers include Pay-Per-Click (PPC) advertising, SEO, and buying leads. Traditional methods like radio, newspaper, and signage may also work. HVAC business owners can use these small business loans as an opportunity to meet or exceed marketing challenges. While many HVAC business loans are crafted to serve operational costs, funding can also be used for promotional purposes for HVAC companies. With the proper scope on an ROI, you can use HVAC financing to take advantage of new audiences, customers, and increase sales.

Hire Employees and Managing a Growing Team

It starts with great people. Hiring a great team is the lifeblood of an HVAC company. Recruiting and hiring new employees can cost funds because the workflow is not as steady as other businesses. Salaries, signing bonuses, and training staff on new technologies can burden a business without HVAC business financing in place to sure up any cash flow issues. HVAC business loans are a great way to grow and utilize funding for onboarding people.

Making Payroll

Payroll can grow into something that must be managed and maintained with zero tolerance for cash flow shortages. Unexpected issues related to HVAC company receivables can put a business in a position they can’t afford to be in, which is missing a payroll. Having a broad and diverse range of HVAC business loans gives business owners the freedom to make sound financing decisions and eliminate payroll as a problem.

Get started today. We offer a wide range of HVAC business loans and lines of credit options that you can take advantage of for your HVAC business — regardless of your business credit score or history. Finding the right HVAC financing can be difficult, but here at AdvancePoint, we make it easy to get the funds you need.

Why AdvancePoint?

We’ve helped countless HVAC companies find the loan option that works best for their business. Our simple diverse range of HVAC loans and funding opportunities through our online lenders network gives our customers the freedom and flexibility to find a loan solution that works for them. Our simple application process and instant cash-on-hand experience are just around the corner.

With AdvancePoint Capital, you’ll benefit from HVAC industry professionals, experienced specialists, and a trusted name in the funding industry. We make it easy to get loan offers with a fast approval process.

  • Experience – We have been working with HVAC businesses and others in the construction industry for many years.
  • Trust – Excellent reviews and feedback from HVAC companies as we follow best business practices. We have a solid reputation.
  • Loan Specialist – Experienced funding experts who know the construction industry and offer financing at no cost, no commitment quotes.
  • Products – A variety of HVAC business loan products. We don’t just offer the loan product we have; we offer what’s available in the marketplace.
  • Service – Excellent customer service and responsiveness.

Getting loans from a lender can be intimidating, but they don’t have to be. At AdvancePoint Capital, we can find a funding solution that works with your air conditioning and heating company instead of against it. Go to our website and fill out the form to apply, so you can find out what your loan terms would be!

Apply For Your AdvancePoint Loan Today!

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