Industry expertise
HVAC Business Financing for Trucks, Equipment, and Off-Season Gaps
From a new service van to refrigerant costs and the slow season between summer and winter peaks, TrustFi helps HVAC contractors get funded fast.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how HVAC contractors actually run
An HVAC business runs on its trucks and tools as much as its technicians. Service vans need to be stocked with gauges, recovery machines, and a rotating supply of refrigerant, and EPA-regulated refrigerant costs can shift sharply from one season to the next, squeezing margins on jobs you already quoted. Every technician needs EPA 608 certification and ongoing training as equipment standards and refrigerant types change, and a growing crew means new trucks and tool sets before those techs generate a dollar of billable work. TrustFi helps HVAC contractors fund the fleet and equipment that keep crews on the road.
Demand for HVAC work is anything but steady. Summer heat and winter cold drive back-to-back service calls and installs, while spring and fall shoulder seasons can slow to a trickle, even though technician payroll and truck payments don't pause with the weather. Emergency after-hours calls during a heat wave or cold snap also mean stocking parts and staffing crews for demand you can't fully predict. TrustFi financing helps HVAC contractors staff up before a peak season hits and stay steady through the slower months in between.
What we hear
The cash-flow pressures you know too well
Refrigerant Costs Swing Between Seasons
EPA-regulated refrigerant pricing can shift meaningfully from one season to the next, and a job quoted in one month may cost more to complete by the time you buy the refrigerant, squeezing margins on fixed-price work.
Service Vans Need Constant Reinvestment
Every truck on the road needs gauges, recovery machines, and a stocked parts inventory, and a growing crew means buying new vans and tool sets before those technicians bring in a dollar of billable work.
Shoulder Seasons Slow Revenue to a Trickle
Summer and winter peaks drive back-to-back installs and service calls, but spring and fall can slow dramatically, even though technician payroll and truck payments keep coming due regardless of the season.
Emergency Calls Demand Cash on Hand
A heat wave or cold snap can spike emergency after-hours demand overnight, and meeting it means having parts inventory and available crew ready before you know how many calls are actually coming in.
Where the money goes
What HVAC contractors use funding for
- Purchase a new service van or expand your fleet
- Stock refrigerant, gauges, and recovery machines ahead of peak season
- Cover payroll during the spring or fall shoulder season
- Fund EPA 608 certification and ongoing technician training
- Stock parts inventory for emergency after-hours calls
- Add a second crew to handle installs during peak demand
Our recommendation
Funding options that fit HVAC contractors
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Business Line of Credit
Draw funds as needed to restock refrigerant or cover payroll in the shoulder season, then pay interest only on what you use, which fits demand that shifts with the weather.
How it works - Option 2
Business Term Loans
A fixed lump sum with a set schedule works well for a planned purchase like a new service van or a full set of recovery machines.
How it works - Option 3
Merchant Cash Advance
Repayment tied to a percentage of daily sales can flex with the revenue swings between a busy summer or winter peak and a slower shoulder season.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can I finance a new service van?
Yes. A term loan gives you a lump sum to purchase a van outright, with a fixed repayment schedule you know in advance. If you're expanding a full fleet or adding a second crew's vehicles, an SBA loan's longer term may also fit, depending on the size of the purchase.
How does financing help during the shoulder season?
A business line of credit lets you draw cash only when needed, such as during the slower spring or fall months between summer and winter peaks, and you pay interest only on what you use. That keeps technician payroll steady without dipping into savings built up during busy season.
Will applying for HVAC business financing affect my credit score?
No. Applying through TrustFi does not impact your credit score. You can compare a term loan, line of credit, or merchant cash advance and see what your business qualifies for before deciding. The application itself takes under 10 minutes to complete, with no hidden fees anywhere in the process.
How fast can my HVAC business get funded?
TrustFi offers a 2-hour response guarantee, and qualified applicants can see funding in as little as 24 hours. That speed can matter when a compressor failure or fleet breakdown needs to be resolved before your next round of service calls.
What can HVAC business financing be used for?
Common uses include purchasing service vans, stocking refrigerant and recovery equipment ahead of peak season, covering payroll during the shoulder season, funding EPA 608 certification and training, and stocking parts for emergency after-hours calls. Many contractors combine a line of credit with a term loan for larger purchases.
Do refrigerant price swings affect what I can finance?
Refrigerant costs can shift between when you quote a job and when you buy the materials, and a business line of credit is often used to absorb that gap without disrupting cash flow for payroll or other jobs in progress. It's a flexible option built for exactly that kind of swing.
Funding for HVAC contractors, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees