Be ready when the first heat wave hits
HVAC work comes in waves. A line of credit lets you stock equipment, staff up and add trucks before the busy season, then pay it down when the calls pour in.
- Stock units and parts before peak season
- Add techs and service vans
- Cover the shoulder-season slowdown
Your busiest weeks start with spending
When the first heat wave or cold snap hits, the HVAC companies with units in stock and techs on the schedule win the work. Getting there means spending in the slow weeks before.
Residential and commercial HVAC contractors use a Flex Credit Capital line to stock up, hire ahead of demand and keep payroll covered through spring and fall.
Common uses
- Buying condensers, furnaces and parts ahead of demand
- Adding service vans and tools
- Hiring and training techs before the rush
- Covering commercial jobs that pay net-30 or longer
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions from HVAC owners
Can I use it to buy equipment from my distributor?
Yes. It’s working capital you can use with any supplier.
Do seasonal slow months hurt my chances?
No. Seasonality is normal in HVAC, and we look at your revenue over time.
Do you work with commercial HVAC contractors?
Yes, residential and commercial.
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.