Comparison

Live Oak Bank (HVAC & Plumbing Contractor Loans) vs Relay for HVAC

A head-to-head comparison of Live Oak Bank (HVAC & Plumbing Contractor Loans) and Relay for hvac contractors.

Debbie Crowder

Updated February 1, 2026

★ 4.7

From SBA 7(a) rates priced at Prime + a negotiated margin (variable)

★ 4.7

From Free (Starter plan)

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