Founded in 2012 and based in Cherry Hill, New Jersey, AdvancePoint Capital has helped more than 7,500 small business customers access over $375 million in capital. Rather than operating as a single direct lender, AdvancePoint is a marketplace that shops applications across a curated lender panel, which lets HVAC contractors compare multiple offers and pick the best structure for working capital, growth, or equipment purchase.
For HVAC specifically, AdvancePoint publishes a dedicated contractor loans page covering short-term and long-term working capital, business lines of credit, equipment financing, and SBA 7(a) loans. Long-term loans carry 5- to 10-year amortizations (up to 25 years with real estate), giving contractors the ability to smooth seasonal revenue swings and fund larger projects like new trucks, shop expansions, or acquisitions. HVAC contractor loans go up to $500,000 and funding decisions are typically returned in 1 to 3 business days.
Because the platform is product-agnostic, AdvancePoint is well suited to HVAC operators who aren't sure which financing product they need. Owners can apply once and evaluate MCAs, term loans, LOCs, and SBA options side by side, then route through a funding advisor to close. The firm carries an A+ BBB rating and a 4.8-star Google rating based on 60+ reviews from HVAC and other trades customers.