Established in 1989 and headquartered in Atlanta, Georgia, Crest Capital is a direct, independent equipment-finance lender that has been funding small and mid-sized businesses for more than 35 years. Unlike bank-owned competitors, Crest has no cross-sell agenda and focuses narrowly on equipment, vehicle, and software financing, which makes the experience straightforward for HVAC contractors who want a purpose-built financing partner rather than a general business bank.
For HVAC specifically, Crest markets nearly two decades of experience financing climate-control equipment, covering rooftop units, split systems, recovery machines, boilers, service vans, and related tools. Deals are structured as equipment loans or true leases, both of which can be written to qualify for Section 179 and bonus depreciation, so contractors can deduct up to the federal Section 179 limit in the year the equipment is placed in service. Financing amounts run from $5,000 up to approximately $1 million, with application-only approval on smaller tickets and more extensive documentation required for larger deals.
Crest is notable for transparent terms: fixed rates, no hidden fees, and no prepayment penalties after a minimum period. The firm publishes a Section 179 calculator and bonus program offering $179 in credit for every $25,000 financed. For HVAC owners focused on fleet expansion, shop buildouts, and tax-efficient capital purchases, Crest is one of the longest-standing independent options in the market.