INDUSTRY SOLUTIONS
Funding for HVAC Contractors
Your year arrives in two waves, and the weeks in between still have a payroll. Meanwhile every changeout means paying the distributor for a system long before the homeowner or the GC settles up. Monera funds HVAC contractors on how the business actually performs, so a shoulder season and an equipment order stop competing for the same bank balance.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Equipment, trucks, payroll & more
THE CHALLENGE
The Peaks Pay Well. The Months Between Do Not.
HVAC does not have a demand problem. It has a distribution-of-cash problem: the money leaves for equipment and payroll in one part of the year and comes back in another. It is also the most ordinary reason a business needs capital at all. In the Federal Reserve's 2025 Small Business Credit Survey, meeting operating expenses was the reason firms named most often for seeking funding, and more than half of those that applied did not get everything they asked for. Four places an HVAC business ends up carrying its own float.
The system is on your account before it is on the roof
A changeout starts with a purchase order to the distributor, not with a deposit from the customer. The condenser, the furnace or air handler, the line set, and the pad all leave the counter on your credit, and on commercial work that equipment can sit in your shop for weeks waiting on the schedule. That is real money parked in inventory that has not billed yet.
The calendar pays you twice a year and bills you twelve times
Two peaks carry the business: the first heat wave and the first hard freeze. On either side of them, techs are still paid, trucks still take fuel and insurance, and the shop rent still comes due. A strong July does not deposit itself in October, which is why so many HVAC shops are comfortable annually and tight quarterly.
Pre-season stocking is a bet you fund yourself
Buying equipment and parts before the season, ahead of an announced price increase or a supply squeeze, is usually the right call and it is always the expensive one. You commit cash in a slow month against revenue you will not see until the busy one. Add the tooling the A2L refrigerant transition now calls for and the pre-season outlay grows again, in the stretch of the year when the account is thinnest.
A trained tech is a year-round cost on a seasonal income
The median HVAC technician earned about $59,810 a year (Bureau of Labor Statistics, 2024), and the trade has been short of qualified technicians for years. That cost does not scale down when the calls do. Laying off a good installer in the shoulder season usually means paying to recruit and retrain in the spring.
Season timing is the whole problem, and bank timing is the reason it stays one. An SBA decision takes 60 to 90 days, which in this trade is most of a season. A compressor that fails in July does not wait for it. Our decision comes back in 4 to 8 hours, sized against the revenue the shop is actually booking.
How HVAC Contractors Use Our Funding
Trucks and Install Crews
Add the van and the crew that let you run two installs a day at peak, instead of booking the second one for next week.
A2L Tooling & Instruments
Finance recovery machines, gauges, vacuum pumps, and the A2L-rated tools the refrigerant change has added to every truck.
Commercial and Builder Terms
Carry mechanical work for GCs and property managers that invoices now and holds part of the contract back until closeout.
Shoulder-Season Payroll
Pay techs through the weeks between the cooling and heating peaks, so the crew is still yours when the calls come back.
Pre-Season Equipment Buys
Stock condensers, furnaces, and parts before the season or ahead of an announced increase, when the buying is good and the balance is not.
A Second Truck, a Second Territory
Fund the step that raises capacity: another crew, a second shop, or the ability to bid work you currently have to pass on.
One Application. We Match You to the Funding That Fits.
Most HVAC shops take working capital and decide later what it pays for. Nothing here requires you to choose a product first. One application, and you get back the options that are genuinely open to you.
Working Capital
Cash with no strings on what it pays for: an equipment order, a shoulder-season payroll, a truck repair. Most HVAC shops start here.
Learn MoreBusiness Line of Credit
Draw in the pre-season, repay through the peak, then draw again before the next one. Nothing accrues on the part of the line you are not using.
Learn MoreEquipment Financing
Trucks, recovery machines, and shop equipment financed against themselves, on terms that can run to 60 months. Collateral already sitting in your shop tends to make the file simpler.
Learn MoreInvoice Factoring
Convert the mechanical invoices already sitting with GCs and property managers into cash now, rather than carrying them to term.
Learn MoreBusiness & SBA Loans
When the need is a one-time project rather than a cash-flow gap, this is the longer-horizon option: buying a building, expanding the shop, or taking on a project with a long payback.
Learn MoreRevenue-Based Financing
Repayment that tracks your receipts, so the shoulder months cost less than a fixed installment would.
Learn MoreWhy HVAC Contractors Choose Us
The HVAC businesses we work with run from one truck and an owner who still installs, to shops fielding residential and mechanical crews at the same time. What matters in the file is the shape of the year: what a distributor invoice does to June, what the peak actually collects, and how long the commercial side takes to clear. One slow quarter reads very differently once you know which quarter it is.
See What You Qualify For- Built around a two-season revenue curve
- Soft credit pull that won't affect your score
- Pays for equipment orders, vans, tooling, or a payroll week
- All credit profiles considered
- Approval in 4 – 8 hours, not weeks
- Someone on your file who knows the HVAC calendar
Simple Requirements to Get Started
If your HVAC business has 6 months of history behind it and does $10,000 or more in monthly revenue, you are inside the range we fund. Checking costs nothing.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
HVAC Contractor Funding FAQs
What can I use the funding for?
Nothing is ring-fenced. HVAC contractors put it toward equipment orders, a new van and its upfit, tools, tech payroll in the shoulder months, the wait on a commercial invoice, and expansion. Send one application and we tell you what is available, instead of asking you to choose a product cold.
How much can an HVAC business borrow?
Approvals generally run from $10,000 to $500,000. Monthly revenue and time in business drive that number far more than any one credit score does.
Can I finance service trucks and HVAC equipment?
Yes, on terms out to 60 months. The equipment secures the deal itself, which normally means an easier approval than an unsecured request. Vans and their upfit, recovery machines, gauges, vacuum pumps, and the A2L-rated instruments the refrigerant change requires all fit.
Can it cover payroll through the slow shoulder season?
Yes, and it is one of the most common reasons HVAC shops call. The weeks between the cooling and heating peaks are when a crew costs the same and bills less. Carrying a trained installer through that gap is almost always cheaper than replacing them in the spring.
How does funding work on commercial mechanical jobs that pay slowly?
The same way it works on the rest of your book. GC, builder, and property-management work commonly runs on 30 to 90 day terms with 5 to 10 percent of the contract held as retainage until closeout, so working capital carries the equipment and labor in the meantime. Where the invoices are clean, factoring can advance against them directly.
Can I pre-buy equipment before a price increase?
Yes. Buying equipment and parts ahead of the season, or ahead of an announced increase, is one of the more productive uses of working capital, since it usually locks in both availability and a better number.
Do you provide financing for my customers (homeowner financing)?
No, and it is worth being precise about it. We are funding the contractor's business, not the homeowner's purchase. There is no consumer credit program here and we are not a stand-in for one. If your customers already have a payment option through a third party, this covers what happens before that: the equipment and labor your business puts out ahead of the money.
Do you fund plumbing, electrical, and other trades too?
Yes. We work across home services, including plumbing, electrical, roofing, landscaping, and pest control. The home services page lists them all.
Will applying affect my credit score?
No. Seeing what you qualify for runs on a soft credit pull, which does not touch your score, and you are under no obligation once you have seen the offer.
How fast can I get funded?
Most approvals come back inside 4 to 8 hours, with funding shortly after. A bank or SBA file on the same request is measured in weeks or months, and that gap in timing, not price, is usually what decides where a shop goes.
Do I need good credit or a long track record?
All credit profiles are considered. Most HVAC businesses we fund have at least 6 months behind them and $10,000 or more in monthly revenue. What the business does month to month carries more weight than a credit file.
Specialized Funding
Other Business Types We Fund
We build dedicated funding guides for specific business types. Explore others below, or see the full Home Services overview.
Insights
Reading for Home Services Owners
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Revenue-Based Financing vs. Term Loan: How to Choose
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Half of Small Businesses Can't Find Qualified Workers
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