Small Business Loans & Financing for HVAC & Plumbing

America's #1 SBA lender with a dedicated HVAC and plumbing contractor team

The nation's top SBA 7(a) lender with a dedicated HVAC, plumbing, and electrical contractor lending team offering SBA loans up to $5M at traditional bank rates.

Independent equipment financing with deep HVAC and Section 179 expertise

Crest Capital is an independent equipment-finance lender with nearly two decades of HVAC and climate-control financing experience. Section 179-friendly loans and leases up to roughly $1M with application-only tiers make it a fit for contractors scaling their fleet and equipment base.

Direct alt-lender for HVAC with early-payoff discounts

National Funding is a long-standing alternative lender offering small business loans up to $500K and HVAC equipment financing up to $150K, with early-payoff discounts that reward contractors who retire debt ahead of schedule.

HVAC contractor loan marketplace with term loans, LOCs, equipment, and SBA

AdvancePoint Capital is a business-lending marketplace with a dedicated HVAC contractor product suite including term loans, lines of credit, equipment financing, and SBA loans up to $500K. A network of lenders means contractors can match to the right product for seasonal cash flow or growth.

Fast working capital and MCAs for HVAC shops with imperfect credit

Credibly is an alternative small business lender offering working capital loans, merchant cash advances, lines of credit, and equipment financing with minimums around 550 FICO and 6 months in business. Accessible approval standards make it a practical fit for newer HVAC shops that don't yet qualify for SBA or bank financing.

Fast short-term working capital for HVAC contractors, funded in 24 hours

QuickBridge offers short-term loans and working-capital lines of credit explicitly marketed to HVAC contractors for seasonal cash flow, payroll, and fleet needs. Funding can land in as little as one business day after approval.

HVAC-specific financing with same-day decisions and $250K application-only

Crestmont Capital is an alternative lender with an HVAC-specific financing program covering equipment, working capital, and lines of credit tailored to trades cash-flow cycles. Same-day decisions and application-only funding up to $250K make it a practical fit for growing HVAC shops.

Fast, flexible business lines of credit up to $250K for small contractors

Fintech lender offering fast, online business lines of credit up to $250,000 with approval in minutes, geared toward small contractors including HVAC shops needing flexible working capital.

Equipment financing for HVAC contractors and the commercial customers they serve

Specialty equipment finance lender (a division of United Community Bank) providing HVAC contractors with fast equipment leases and loans from $5K to $5M.

Direct HVAC equipment financing from a bank-owned fintech lender

Balboa Capital, a division of Ameris Bank, is a direct equipment-finance lender with a dedicated HVAC program covering service vans, rooftop units, recovery machines, and specialty tools. Contractors get fast online application decisions and tailored repayment terms for climate-control assets.

Fast online term loans and lines of credit built for HVAC and other small contractors

Online small business lender (part of Enova International) offering term loans up to $400K and lines of credit up to $200K with same-day funding and an explicit HVAC contractor vertical.

Online term loans and SBA financing up to $500K for established HVAC shops

Online small business term loan and SBA lender (now part of iBusiness Funding / Ready Capital) offering $25K-$500K in term loans with APRs lower than typical online lenders.