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HVAC Financial Solutions

HVAC Solutions: Built For HVAC Contractors

Financing, Payroll, Banking, And Payments — All On One Rail, All Built Around How An HVAC Business Actually Runs. Busy Season, Slow Season, Big Tickets, And Payroll That Can't Wait.

HVAC Business Financing

HEI Loans — Up To $600,000 In Capital For Your Business Without A Monthly Payment

Turn The Equity Sitting In Your Home Into Cash, With No Impact On Your Ability To Borrow Again.

  • No Monthly Payment. Nothing New Hitting Your Cash Flow.
  • No Hit To Personal Credit. It Doesn't Report As A Personal Debt.
  • No Hit To Business Credit. Your Business Profile Stays Clean.
  • No Debt-To-Income Impact. Your DTI Doesn't Move, So It Doesn't Block You From Qualifying Elsewhere.
  • Doesn't Consume Your Borrowing Capacity. You Can Still Go Get Another Loan After This One.
  • No Income Documentation. Not The Two-Years-Of-Returns Treatment A Bank Puts You Through.
  • Credit Flexible. Approvals Reach Well Below What A Bank Will Look At.
  • Fast Decision, Fast Funding.
HVAC Business Owner Reviewing HEI Loan Options
Business Credit Cards Stacked On A Desk With Laptop

0% Business Credit Card Stacking — $50,000 To $500,000 Interest Free

Multiple Business Credit Lines Opened In Coordination And Structured To Land 0% Introductory Terms Across All Of Them. The Result Is A Pool Of Interest-Free Working Capital That Behaves Like A Line Of Credit — Draw It, Use It, Pay It Back Inside The Promotional Window, And Pay Nothing To Use The Money.

  • Four Rounds Of Funding. Up To $100,000 On The First Round And Up To $250,000 Per Round After That, To A Maximum Of $500,000 Total.
  • 0% Interest During The Promotional Period. Use The Money And Pay Nothing For It.
  • Reports As Business Credit, Not Personal Debt. Your Personal Profile Stays Protected For The Next Thing You Need.
  • Use It For Anything. Equipment, Inventory, A Truck, Payroll, Marketing, A Slow-Season Gap.
  • Revolving, Not A Term Loan. Pay It Down, Draw It Again.
  • Scales In Rounds. Each Round Builds On The Last Instead Of One Shot At Approval.
  • No Collateral Pledged. Your Equipment And Your Building Stay Unencumbered.

Additional Loan Types We Offer

A Full Suite of Borrowing Options From Our 50-Bank Lending Portal
Matched to Your Business and Goals.

Term Loan

Fixed Payments, No Collateral.

Line of Credit

Revolving Capital to Use as Needed.

Cash Flow Financing

Flexible Funding Tied to Revenue.

Subordinated Debt

Growth Capital Behind Senior Debt.

HVAC Embedded Business Banking — A Business Account That Pays You Instead Of Charging You

Your Bank Holds Your Money, Charges You To Hold It, And Pays You Nothing For The Privilege. We Built The Opposite.

  • 2% APY On Your Balance Up To $250,000. Slow-Season Reserves Earn Instead Of Sit.
  • 1% Cash Back On Debit Card Spend. Fuel, Parts, Supply House Runs — The Money You're Already Spending Comes Back.
  • No Monthly Fees. No Maintenance Fee, No Minimum Balance Penalty, No Per-Transaction Nickel-And-Diming.
  • FDIC-Insured Up To $250,000 At Sutton Bank.
  • Instant Card Issuing. Put A Card In A New Tech's Hand The Day He Starts, With Limits You Control.
  • ACH And Bill Pay Built In. Pay Your Supply House Without A Separate Platform.
  • Keep Your Existing Bank. This Doesn't Replace Your Primary Relationship Unless You Want It To.
HVAC Owner Reviewing Business Banking Dashboard

Banking Services Provided By Sutton Bank, Member FDIC. Surcharge Pros And Netevia Are Financial Technology Companies, Neither Is A Bank. FDIC Insurance Protects Eligible Deposits Up To $250,000 In The Event Of Bank Failure And Does Not Protect Against The Failure Of A Non-Bank Company. Cash Back, Yield, And Funding Timing Are Subject To Program Terms And Eligibility.

HVAC Crew Getting Paid On Friday

HVAC Payroll Services — Fund Payroll Friday. Pay Your Crew Friday.

Most Payroll Companies Need A Two-Day Float Because Of ACH Transfer Times — You Move The Money Wednesday To Pay People Friday. Our Payroll And Banking Are Embedded On The Same System, So The Float Disappears. Your Money Stays In Your Business Two Extra Days, Every Pay Period.

  • Instant Payroll Funding. No Two-Day Float, No Wednesday Scramble.
  • Same-Day Pay For Your Crew. Fund It Friday, They're Paid Friday.
  • Earned Wage Access. Techs Pull A Portion Of Already-Worked Wages From Their Phone Mid-Week. Big Retention Lever In A Trade Where Everyone Is Hiring.
  • Full Tax Liability Assumed. We Own The Filings, Not You.
  • Multi-State And Multi-EIN. Built For Shops That Cross County And State Lines.
  • Hiring Tax Credit Screening. Every New Helper, Apprentice, And Install Hire Gets Screened For Credits You're Owed.
  • Keep Your Bank, Your CPA, And Your Insurance Agent. Nothing Else Has To Change.

HVAC Credit Card Processing & ACH Payments — Bank With Us And Your Money Lands The Same Day

Standard Processing Holds Your Revenue For Two To Three Business Days. You Did The Install Monday, The Homeowner Paid Monday, And You See It Thursday. When Your Processing And Your Banking Live On The Same Rail, That Gap Closes.

  • Instant Funding When You Bank With Us. Card Revenue Hits Your Account The Same Day, Including Weekends.
  • Take Payment At The Truck. Tech Closes The Ticket And Collects On The Spot — Tap, Swipe, Or Text-To-Pay.
  • ACH For The Big Jobs. Move A Commercial Invoice Or A Large Residential Install Without Eating Card Fees.
  • Cost-Savings Programs. Compliant Surcharging And Dual Pricing Available To Cut Processing Expense Dramatically.
  • Recurring Billing For Maintenance Plans. Your Service Agreements Bill Themselves.
HVAC Technician Taking Payment At The Truck
Homeowner Approved For HVAC Financing

HVAC Consumer Financing — Three Ways To Get Your Homeowner To Yes

One Soft-Pull Application. If The First Path Isn't A Fit, It Moves To The Next. Your Customer Applies Once.

Short Term 0% Promotional Financing

0% Interest Promotional Terms For Well-Qualified Homeowners.

Funded To Your Business.

Job Completes, Money Lands In Your Account.

Extended Term Financing With 0% Interest Promotion Buy-Downs Available

Longer Terms And Lower Monthly Payments, With A Wider Approval Range Than Promotional Financing. If You'd Rather Put A 0% Offer In Front Of Your Homeowner On This Track, Buy-Downs Are Available.

Funded To The Homeowner.

They Receive The Loan And Pay You.

Prime To Subprime Financing

Multiple Lenders Across Prime, Near-Prime, And Subprime Credit, Plus Lease-To-Own, All Behind One Soft-Pull Application. Built Specifically For HVAC And Home Improvement — Approving Low Credit Clients.

Funded To Your Business.

Job Completes, Money Lands In Your Account.

You Pick The Order. Some Shops Want Funding Certainty First. Some Want To Protect Margin. We Configure The Cascade Around How You Want To Get Paid.

Talk To Us About Consumer Financing →

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