Headquartered in Irvine, California, and recognized as a 2023 Inc. 5000 honoree, Crestmont Capital is a direct lender specializing in small and mid-sized business financing across the trades and service sectors. The company publishes an extensive HVAC-focused content library covering equipment financing, working-capital loans, fleet vehicle financing, and full financing guides for HVAC contractors, signaling a deliberate vertical focus rather than a generic horizontal offering.
Financing amounts for HVAC businesses typically range from $10,000 to $5 million depending on the product and borrower profile. Equipment loans cover rooftop units, refrigeration, climate-controlled storage, service vans, and related HVAC capital assets. Unsecured working-capital loans are available for qualified contractors, and the firm offers both term structures and revolving lines of credit to match the seasonal nature of cooling and heating revenue. Application-only funding is available up to $250,000 with low fixed rates, and larger deals go through standard documentation underwriting.
Crestmont differentiates on speed and trades-specific underwriting. Many HVAC loan applications receive decisions within hours, with same-day approvals available on smaller working-capital deals. Because Crestmont is a direct lender rather than a marketplace, contractors get one underwriting team that understands trade seasonality, deferred-revenue cycles, and the economics of fleet-heavy service businesses. The company is well regarded in online reviews and positioned primarily to HVAC, plumbing, electrical, and general-contracting operators.