How fast can an emergency replacement actually fund?

On files under roughly $250,000 with a clean credit profile, same-day approval and funding to the contractor within two to three business days is realistic. Send the proposal and last three months of bank statements and we can usually give you a same-day answer.

Can installation labor be financed, or just the equipment?

Both, in most cases. HVAC and refrigeration jobs commonly run 40-60% labor and rigging, and lenders in this category are used to that mix. Very labor-heavy packages may need a slightly shorter term.

I am the contractor. Can I offer financing to my customers?

Yes. Contractor-facing programs let you present a monthly payment inside your proposal, which materially raises close rates on replacement jobs. Underwriting runs against the end customer and you get paid on completion.

Does equipment on a leased building create a problem?

It needs handling, not avoidance. Lenders typically want the amortization to fit inside the remaining lease term, and sometimes a landlord waiver. Tell us the lease expiration up front and we will size the term accordingly.

Building systems

HVAC & Refrigeration Equipment Financing

Nobody plans an HVAC purchase. A rooftop unit fails in July, a walk-in compressor goes out on a Friday, a chiller finally quits after three seasons of patching — and the decision window is measured in days, not quarters. This category is defined by emergency replacement, and the financing has to move at emergency speed or it is useless.

Quick answer

HVAC and commercial refrigeration financing for contractors and building owners. Rooftop units, chillers, walk-ins, and service fleets from $25K to $4M.

Price hvac & refrigeration financing

Two quick steps. An advisor responds within 24-48 hours.

The numbers on this asset

Typical unit cost

$14K rooftop unit – $450K commercial chiller

Financed range

$25K – $4M including installation

Term

36 – 84 months

Emergency turnaround

Same-day approval available on replacement files under $250K

Who finances hvac & refrigeration

Mechanical contractors financing customer installs to close jobs their customers cannot cash-fund
Grocery and convenience operators replacing refrigeration racks before an inventory loss event
Property owners replacing end-of-life rooftop units across a multi-tenant building
Cold storage and food processors adding capacity ahead of a seasonal volume commitment

Recent structure

A chiller failure two weeks before peak season

A cold storage operator in Florida lost a 180-ton chiller in late May with a produce contract starting in June. Replacement plus rigging and install was $327,000. Their bank line had capacity but drawing it would have left nothing for the season's labor ramp. We placed it in under a day, with the mechanical contractor funded directly on a milestone basis, and set 84-month amortization to keep the monthly under the operator's spoilage-risk math. Unit commissioned in 16 days.

What underwriting actually looks at

Approvals on this asset class turn on a short list of specifics. Have these ready and most files get an answer inside 24-48 hours.

Replacement versus expansion — an emergency replacement on an operating building is a lower-risk file than speculative capacity

Installation labor as a share of the package; heavy-labor jobs need a structure that accounts for low collateral recovery

Building ownership versus tenancy, and remaining lease term if the equipment goes on a leased property

For contractors financing on behalf of a customer, the end customer's credit rather than the contractor's

HVAC & Refrigeration financing questions

Other equipment we place

Food service

Restaurant Equipment

$25K – $3M (single unit through multi-location rollout)

Pre-owned & auction

Used Equipment

$25K – $4M

Material handling

Forklifts & Warehouse Equipment

$30K – $6M including racking and conveyor

Get hvac & refrigeration financing priced

Send the unit, the invoice or auction lot, and three months of bank statements. Approvals typically come back in 24-48 hours and funding follows in 5-10 business days.

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