Capital for HVAC projects — HVAC Capital
Commercial contractors and facility managers can compare loans, leases, and bridge options with a soft pull.
Soft inquiry first, no credit hit.
4.9 Excellent · 3,200+ reviews via Big Think Capital- RTU
- BAS controls
- Tonnage
- Change order
- Lead time
- Commissioning
- Make-ready
- Startup
HVAC equipment financing for commercial contractors
Loans and leases for rooftop units, chillers, controls, ductless systems, and related project costs when timing matters.
- $25K-$1M Typical request size
- 24-72 hrs Decision window
- 1 soft pull Credit check to start
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
-
Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
-
They gave me a chance when nobody else would. I'm very satisfied.
How HVAC deals move from quote to funding
Share the equipment list, dollar amount, and project timing. We match it to lenders that work with commercial HVAC contractors.
Soft pull start
- No hard hit for the first review
- Compare offers before you decide
Built for contractors
- New installs, replacements, and controls
- Fits project-based cash flow
Simple docs
- Quote, bank statements, and basics
- E-sign from office or jobsite
Why standard lenders miss HVAC jobs
Seasonal revenue, mixed line items, and short operating history often break bank rules. Asset lenders focus on the equipment, the contract, and the cash flow.
Uneven project cash flow
Banks want flat monthly revenue, but HVAC work often pays on bid cycles, weather, and closeout timing.
Short operating history
A shop with 6 to 18 months of books may be solid on paper and still miss a bank age rule.
One deal, many line items
Banks often reject requests that mix units, controls, freight, removal, and startup costs.
What approved requests can look like
These are illustrative composites, not real customers. They show the kinds of amounts, assets, and timelines lenders often review.
Multi-site contractor
Two rooftop unit swaps for retail sites with controls and startup
Facility manager
BAS controls upgrade and new air handler for winter readiness
Commercial HVAC crew
Deposit and equipment buy for a school bid before invoice timing
Service contractor
Chiller replacement after delay, with term reset to fit cash flow
Funding for controls, chillers, and other jobs
If this request also includes refrigeration, electrical, or another capital item, we can point you to related lender coverage.