Service vans and fleet
Add wrapped service vans, replace high-mileage trucks, and upfit with shelving and ladder racks. Every new van is another crew earning.
Funding for business owners
HVAC contractor financing & working capital for the company that never misses a season.
July heat waves fill your install calendar and October slows it down — but your techs’ paychecks, your van payments, and your parts bills never take a season off. If the banks didn’t understand job-based revenue and the brokers wasted your time, your search ends here.
Business-purpose funding. Subject to underwriting, verification, and program availability.
What are you funding?
Install equipment and tools
Recovery machines, torches, vacuum pumps, and lifts. Fund the tools that let your techs finish more jobs per day.
Parts and warehouse inventory
Stock condensers, furnaces, and refrigerant before the season hits. Buy in bulk at better pricing instead of paying counter price per job.
Techs and install crews
Hire certified techs and keep them paid through the shoulder seasons. Fund payroll while your new crews ramp up to full books.
Why HVAC contractors work directly with Logic Advance
A direct funding partner, not a middleman
You deal directly with the Logic Advance team — the people who review your application and stand behind your funding. No being passed down the line to someone who doesn’t know the trades. If you’ve been bounced between banks and brokers, that ends today.
We understand how HVAC companies actually get paid
Install jobs, maintenance agreements, emergency calls, and shoulder-season slowdowns don’t fit a bank’s template. We fund around an HVAC company’s real cash flow — the jobs on your board and the revenue on its way.
Decisions in as little as 4 hours
A short application, a fast review, and funding as fast as same day. Simple, seamless, and built around your company — not a bank’s calendar.
Three simple steps to funding
Step 1: Tell us what you need
A short application that takes minutes — no obligation, no endless paperwork. Just tell us about your business and what you’re planning.
Step 2: Get your decision fast
Our team reviews your application and you can have a decision in as little as 4 hours. You’ll know exactly what you qualify for before you need it.
Step 3: Get funded and get back to business
Funding as fast as same day — then it’s back to the jobs, with new vans on the road, your techs paid, and your install calendar full.
Compare HVAC contractor financing options
| Option | How it works |
|---|---|
| Equipment financing | An equipment financing option can suit service vans, recovery machines, and install tools. |
| Business line of credit | A business line of credit may help smooth shoulder-season payroll, subject to available credit and account terms. |
| Term funding | A term funding option may fit a defined project such as acquiring a competitor’s customer list or opening a second shop. |
| Merchant cash advance | A merchant cash advance is a different funding structure based on future receivables — it funds your company’s operations. |
Compare total cost, payment collection, and timing against your job revenue before deciding. The products available to your business depend on review.
Build a practical growth budget
Illustration: $70,000 for two service vans, $25,000 in parts inventory, and a $20,000 payroll reserve total $115,000. If the company can contribute $25,000 without using essential operating cash, the remaining planning gap is $90,000 before financing fees or other costs. This is a budgeting example, not an offer.
Confirm what can be financed and what must be paid upfront. Keep job-completion and maintenance-agreement revenue records organized so underwriting can see the revenue behind the request.
Starting requirements and documents
Logic’s published guidelines start at $25,000 in monthly business revenue. MCA and line-of-credit guidelines start at six months in business; equipment and term-funding guidelines start at one year. Credit requirements and additional conditions differ by product. Meeting a minimum does not guarantee approval.
Prepare a signed application and four recent, complete business bank statements.
List current funding or advances, remaining balances, and payment schedules.
Explain the amount requested, its business purpose, and your desired timing.
Have identification, ownership details, and any additional records ready when requested through the approved channel.
Review the current product requirements and our bank statement preparation guide.
Prepare the details behind your request
For vehicle and equipment requests, keep the dealer or vendor quotes available. For an expansion, prepare a hiring plan and a timeline for the new crews. Plumbing shops and other home-service trades run on similar job-based economics — see those guides.
Compare the offer, not just the payment
Request the net amount your business will receive, total payment or remittance obligation, all fees, payment frequency, and expected duration. Review liens, guarantees, early-payment treatment, and any reconciliation provisions. A factor rate on an MCA is not APR.
Use our side-by-side funding offer guide and daily versus weekly payment guide to organize the details before deciding.
Explore other business funding guides
Browse all industry funding guides or compare funding products.
“Picture your company with new vans on the road, your best techs on payroll, and cash flow that never decides which jobs you can take.”
Apply Once, Then Keep Every Crew on the Board
An HVAC funding request starts with a short application that takes minutes, a signed application, and four recent, complete business bank statements. Add dealer or vendor quotes for vehicles and equipment, a list of any current funding with its remaining balances and payment schedules, and the amount, purpose, and desired timing behind the request. With a complete application, an HVAC company can receive a decision in as little as 4 hours and funding as fast as same day, so the review judges the real company: install jobs, maintenance agreements, emergency calls, and shoulder-season slowdowns.
The sizing on this page is worked in plain numbers. Two service vans at $70,000, $25,000 in parts inventory, and a $20,000 payroll reserve total $115,000, and after a $25,000 contribution the planning gap is $90,000. Request that gap, confirm what can be financed and what must be paid upfront, and keep essential operating cash intact. Many owners arrive here after banks did not understand job-based revenue or brokers wasted their time without answers. That search ends here. Picture new vans on the road, furnaces stocked before the heating season, and your best techs still on payroll: the company you set out to run, finally within reach.
Questions business owners ask
What is HVAC business financing?
HVAC business financing is funding built around how contractors operate — service vans, install equipment, parts inventory, and tech payroll, plus the working capital to float big installs and carry shoulder seasons. It can take the form of equipment financing, a business line of credit, term funding, or a merchant cash advance, depending on your project and what you qualify for.
How is Logic Advance different from a bank for HVAC companies?
Banks run on rigid templates and slow timelines that don’t understand job-based, seasonal revenue. Logic Advance funds around your company’s actual cash flow, with decisions in as little as 4 hours and funding as fast as same day — and you work directly with our team, not through a broker chain.
Can HVAC contractors get working capital for the slow season?
Yes — smoothing the shoulder seasons is one of the most common uses. Underwriting looks at your full-year revenue pattern rather than any single slow month. A line of credit or working-capital advance can carry payroll and overhead until the next surge.
Can funding help me offer customers payment options?
Many contractors win more installs by letting homeowners pay over time — but that means you float the job cost while payments arrive. Working capital covers equipment, labor, and overhead on those jobs so you can say yes to more customers without straining cash flow.
What can an HVAC company use funding for?
Common uses include service vans and fleet upfitting, install equipment and tools, parts and warehouse inventory, tech and installer payroll, maintenance-agreement marketing, and acquiring a competitor’s customer base.
Do you fund residential and commercial HVAC companies?
Both. Residential shops and commercial mechanical contractors with steady job flow and consistent revenue can apply. Discuss your mix of install, service, and maintenance-agreement work with the team.
What documents does an HVAC company need to apply?
Prepare a signed application and four recent, complete business bank statements. For vehicles or equipment, add the dealer or vendor quotes. Additional records, identification, and ownership information may be requested. With a complete application, decisions can come in as little as 4 hours.
What happens after I apply for HVAC contractor financing?
After you apply, the Logic Advance team reviews your request using a signed application and four recent, complete business bank statements. Explain the amount requested, its business purpose, and your desired timing, and have identification, ownership details, and any additional records ready when requested through the approved channel. With a complete application, decisions can come in as little as 4 hours and funding can arrive as fast as same day.
How much HVAC funding should I request for two service vans and parts inventory?
Use the budget example on this page: $70,000 for two service vans, $25,000 in parts inventory, and a $20,000 payroll reserve total $115,000. If the company can contribute $25,000 without using essential operating cash, the remaining planning gap is $90,000 before financing fees or other costs. This is a budgeting example, not an offer, so confirm what can be financed and what must be paid upfront.
What revenue and time-in-business guidelines does an HVAC company need to meet?
Logic Advance published guidelines start at $25,000 in monthly business revenue. Merchant cash advance and line-of-credit guidelines start at six months in business, while equipment and term-funding guidelines start at one year. Credit requirements and additional conditions differ by product, and meeting a minimum does not guarantee approval, so keep job-completion and maintenance-agreement revenue records organized so underwriting can see the revenue behind the request.
What should I check in an HVAC funding offer before I sign?
Request the net amount your company will receive, the total payment or remittance obligation, all fees, the payment frequency, and the expected duration. Review liens, guarantees, early-payment treatment, and any reconciliation provisions, and compare total cost, payment collection, and timing against your job revenue before deciding. A factor rate on a merchant cash advance is not APR.
Can funding help my HVAC company get ready for heating season?
Yes. An HVAC company can prepare before heating season by stocking condensers, furnaces, and refrigerant before the season hits instead of paying counter price per job, funding service vans and install tools, and hiring certified techs while keeping them paid through the shoulder seasons. Preparing early means the crews and parts are ready when the install calendar fills.
Can I apply for HVAC funding a second time as my company grows?
Yes, a growing HVAC company can apply again with a fresh request. Prepare an updated signed application and four recent, complete business bank statements, list current funding or advances with remaining balances and payment schedules, and explain the new amount, its business purpose, and your desired timing. Meeting a minimum does not guarantee approval, and the products available to your business depend on review.
Take the next step with Logic Advance
Picture your company with new vans on the road, your best techs on payroll, and cash flow that never decides which jobs you can take. That’s what working with a direct funding partner feels like. A short application, a decision in as little as 4 hours, and funding as fast as same day — simple and seamless from start to finish. Your search ends here — start your application now or talk with our team. No obligation.
Business-purpose funding. Subject to underwriting, verification, and program availability.
These pages explain funding considerations and starting guidelines, not a funding offer. Product availability, amounts, costs, security requirements, and timing depend on the specific program and your business.