Funding for HVAC Companies
Equipment financing covers vans, tools, and install inventory with the gear as collateral, and a line of credit bridges the gap between buying units and collecting on completed jobs.
HVAC is a front-the-money trade. The condenser, the air handler, the lineset — you buy them before the install, and on commercial work you wait on net terms after it. Summer and winter bring the money, but they also demand trucks on the road and techs on the payroll before the first heat wave hits, and shoulder seasons test how much cash you banked. A bank's timeline does not fit a trade where the season starts on a forecast. Broadway funds on your real deposits: one short form, three months of bank statements, soft credit pull, same-day decision, funding in as little as 24 hours.
The challenge
You front five-figure equipment costs on installs and wait to be paid after the job, while demand spikes in summer and winter mean staffing and stocking up before the busy season pays you a dime.
How Broadway Advance helps
Equipment financing covers vans, tools, and install inventory with the gear as collateral, and a line of credit bridges the gap between buying units and collecting on completed jobs.
What owners use it for
- Stock units, compressors, and install inventory ahead of season
- Buy and outfit service vans
- Hire and train techs before the summer and winter rush
- Bridge net terms on commercial installs
- Cover refrigerant and parts price increases
- Fund EPA certifications and dispatch software
See your real number in about five minutes.
Apply nowFunding options that fit hvac companies
Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →HVAC Companies funding questions
I have to buy the unit before the customer pays me — what covers that gap?
A business line of credit is built for it: draw to buy the equipment for the install, collect on completion, repay the draw, and the line resets for the next job. You pay interest only on what you draw, only while it is out. For shops doing several installs at once, that beats tying up an advance in inventory. If you need a larger one-time injection — say, stocking for the whole season — an MCA can fund in as little as 24 hours.
Can I finance service vans and the equipment that goes in them?
Yes. Vans, racking, recovery machines, vacuum pumps, gauges — the package can be financed with the equipment itself as collateral, up to 100% of cost. A fully outfitted van is a revenue unit; financing it against the work it produces keeps your cash for payroll and inventory. New or used both work. The application is the same one-page form, three months of bank statements, soft credit pull, decision the same day.
Shoulder seasons are slow for us — will spring or fall statements hurt my application?
Underwriters who fund the trades know HVAC runs hot and cold — literally. Three months of statements showing a shoulder season still get approved when the deposits show a real business; if you can apply on the back of a strong season, even better. An MCA remittance tracks revenue, so slow months cost proportionally less. For recurring seasonal gaps, the line of credit is the smarter structure, and we will say so rather than sell you the wrong product.