revenue-based funding for hvac & mechanical contractors
Revenue-Based Funding for HVAC & Mechanical Contractors businesses. Built for hvac & mechanical contractors cash flow.
Revenue-based funding uses your monthly business income, not your personal credit history, to determine how much capital you can access. If your register is ringing, your capital is waiting.
- Max funding
- $500K
- Term
- 3–18 months
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Is Revenue Funding the right fit for HVAC & Mechanical Contractors businesses?
Pre-season working capital for inventory and staffing, priced against your service revenue.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in hvac & mechanical contractors. Revenue-Based Funding maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Pre-Season Inventory
Heating units bought in October, cooling units in April, all paid for before the first install. Working capital before the season funds the inventory that drives your year.
Emergency Parts Float
When a compressor fails in July, the homeowner is paying cash, but the wholesaler wants same-day payment on the replacement unit. A line of credit closes that gap instantly.
Expanding the Fleet
Adding a second service truck doubles your route capacity. Equipment financing on a new van + tools closes in 48 hours, not 45 days.
Representative scenario
What a typical hvac & mechanical contractors revenue-based funding looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Seasonality
When in the year hvac & mechanical contractors businesses tend to need this capital. Time the draw, not just the deal.
Pre-cooling season (Feb–Apr)
Stock condenser units, compressors, and refrigerant before the first 90-degree day. This is the #1 reason HVAC contractors borrow, and the window where revenue-based funding is cheapest.
Cooling peak (May–Aug)
50–60% of annual residential revenue lands in these four months. Same-day parts runs and overtime payroll can strain even a healthy line of credit.
Pre-heating season (Sep–Oct)
Furnaces and boilers get stocked for the first cold snap. Smaller inventory push than cooling but critical for commercial contracts.
Winter slowdown (Dec–Jan)
Service-only months. Revolving credit covers payroll until spring demand resumes.
Qualification
What we look for in hvac & mechanical contractors files. Underwriting, in plain language.
- Minimum 6 months operating as a licensed HVAC/mechanical contractor
- $15,000+ monthly revenue
- 500+ personal credit score
- Valid state mechanical/contractor license
Other ICG products for hvac & mechanical contractors
Not the right fit? Here is what else works in your industry.
Business Line of Credit
Revolving capital for emergency parts and same-day wholesale purchases during peak season.
See for hvac & mechanical contractorsEquipment Financing
Finance service trucks, diagnostic equipment, and commercial refrigeration tools with the equipment as collateral.
See for hvac & mechanical contractors
Common questions
Revenue-Based Funding for hvac & mechanical contractors. Honest answers, no fine print games.
QDo you fund residential-only contractors?
Yes. Residential HVAC contractors with 6+ months of operating history and consistent homeowner deposits are ideal candidates.
QCan funding be used for EPA 608 certification costs?
Working capital can be used for business-purpose expenses including training, licensing, and equipment certification costs.
QWill a seasonal revenue dip hurt my approval?
No. We look at 3–6 months trailing revenue and smooth across seasonal patterns. A strong peak season offsets a slower shoulder quarter.
QDoes applying affect my credit score?
No. We perform a soft credit inquiry during the initial review, which does not impact your credit score. A hard pull may occur only after you accept a funding offer.
QHow is the repayment amount determined?
Repayment is based on a percentage of your daily or weekly revenue. The exact amount is fixed at the time of funding so you always know what to expect.
QCan I pay off early?
Yes. Many of our revenue-based funding agreements allow early payoff with a discount on the remaining factor rate balance.
Revenue-Based Funding for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your hvac & mechanical contractors business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.