Brutal seasonality
The bulk of your revenue lands in a few hot and cold months, but payroll, rent, and inventory costs run all year long.
Industries we serve
Capital that runs hot all season.
HVAC revenue spikes with the weather and so do your costs. We help you stock inventory ahead of peak, finance your fleet, and never turn down a service call.
The challenges
What makes hvac funding different
We have funded enough hvac businesses to know exactly where the cash-flow pressure points are.
Stocking ahead of demand
Units and parts must be on the shelf before the first heat wave — a large purchase made well before the cash comes in.
Fleet and tooling costs
Reliable vans and diagnostic tools are non-negotiable; a single breakdown can cost you a day of billable calls.
Big installs, slow pay
Commercial installation jobs tie up materials and labor for weeks before the customer settles up.
Funding solutions
Funding solutions for hvac
Based on how hvac businesses actually operate, these are the products our advisors recommend most.
By the numbers
The hvac reality
70%
of annual revenue often earned in peak heating and cooling months
$60K+
to stock units and parts ahead of a busy season
Same day
funding available for urgent inventory buys
In their words
A hvac owner like you
“We used to ration our pre-season inventory because cash was tight in spring. With a Solstice line of credit we stock up fully now, and we sold out of installs by mid-July. Best summer we have ever had.”
Eligibility
Do you qualify?
HVAC contractors with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score are encouraged to apply. We build seasonal repayment structures around your busy months.
- 6+ months in business. Enough history to show us how you operate.
- $15,000+ in monthly revenue. Steady revenue is what we care about most.
- 500+ credit score. We weigh the full picture, not a single number.
Capital built for hvac.
Apply in five minutes and talk to an advisor who understands your trade.