Fuel Your Growth with SBA Express Financing
Secure the capital you need to upgrade equipment, hire techs, and expand operations. Low rates, long terms, and fast approvals designed specifically for HVAC contractors.
✔ No Hidden Fees
✔ Approvals in 36 Hours
✔ Government-Backed Rates
Most established HVAC companies qualify for:
Loan amounts depend on:
Instead of guessing your numbers, we match you with lenders aligned to your real funding potential.
Running an HVAC business comes with intense seasonality and high upfront costs. Whether you’re managing summer rush demand or navigating slow shoulder seasons, cash flow control is critical. Traditional banks often misunderstand the contractor business model, flagging high payroll and inventory costs as risk factors.
That’s where SBA financing shines.
Unlike short-term loans with daily payments, SBA loans offer 10-year terms with predictable monthly payments, allowing you to reinvest profits into fleet expansion and team growth.
Use funds to:
Finance new vans with long-term structured payments.
Invest in specialized tools and diagnostic systems.
Stabilize staffing costs during slow months.
Acquire new service contracts and long-term clients.
Complete our quick pre-qualification quiz (no credit impact).
Speak with a specialist who understands HVAC operations.
We package your application for SBA Preferred Lenders.
Receive capital and deploy it immediately into growth.
Government-capped rates. Ideal for expansion and working capital.
36-hour review for loans up to $500k. Faster decisions.
Asset-based funding for vehicles and machinery.
Online lenders promise speed — but at a cost. Daily or weekly payments can crush seasonal HVAC cash flow.
SBA financing provides:
This structure gives HVAC businesses breathing room to scale — not just survive.
| Features | SBA Express | Merchant Cash Advance | Traditional Bank |
|---|---|---|---|
| Interest Rate | Prime + 4.75%–6.5% | 40%–120% APR | Prime + 2%–4% |
| Repayment | 10 Years (Monthly) | 3–12 Months (Daily/Weekly) | 3–7 Years |
| Speed | 15–30 Days | 24–48 Hours | 60–90 Days |
| Best For | Growth & Equipment | Emergency Only | Real Estate |
Navigating SBA lending can be complex. We connect HVAC contractors directly with Preferred SBA Lenders and structure applications to highlight business strengths.
✔ $50M+ Funded for Contractors
✔ 98% Client Satisfaction
✔ 24-Hour Prequalification
✔ A+ Lender Network
Prepare these to accelerate approval:
Not sure how to organize them?
Collateral requirements vary by loan size and structure.
