FTL Finance was founded in 1996 in the St. Louis, Missouri area and has spent nearly three decades focused specifically on residential HVAC and home-improvement financing. Unlike horizontal home-improvement lenders, FTL built its entire business on the HVAC dealer channel, which shows up in the details: technician-ready applications, HVAC-specific sales training, and a credit box designed to approve the "my A/C died in July" customer who has to make a decision today.
For HVAC contractors, FTL offers the two product shapes that matter in residential replacement. The first is deferred-interest promotional loans with promo periods of 90 days, 6 months, or 12 months, ideal for in-home closing when the homeowner expects to pay off the job from a tax refund or bonus. The second is long-term installment loans running 3, 5, 7, or 10 years for larger replacements where payment affordability is the gating factor. FTL markets that contractors close 30-50% more jobs once the program is implemented, driven largely by having the right product for every price point.
FTL is private-equity backed (Lewis & Clark Capital portfolio) and is known for dedicated technical support, comprehensive finance training, and digital contractor tools that run inside the technician's existing in-home workflow. It is a particularly good fit for HVAC-heavy service businesses that want a dedicated HVAC financing partner rather than a general home-improvement lender who treats HVAC as one of many verticals.