Service Finance Company (SFC) is a Truist-owned, FHA Title I-approved lender that has specialized in home improvement point-of-sale financing since 2004. For HVAC dealers, SFC's flagship strength is plan breadth: more than 50 financing programs spanning reduced-APR installments, 0% APR same-as-cash promotions, deferred payment plans, and FHA Title I-eligible options.
SFC's contractor experience is generally praised for its simplicity: the dealer portal supports quick applications, same-day approvals, and rapid funding after completion confirmation. HVAC is one of SFC's core verticals alongside windows, doors, roofing, siding, water treatment, plumbing, and sunrooms.
Fee levels are competitive: dealer fees range from 0% on standard installment loans up to roughly 24.5% on the most aggressive 0% promotional plans.