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.
Industries · HVAC & Mechanical Contractors
HVAC & Mechanical Contractor Financing. Pre-season inventory. Peak-season payroll. Year-round capital.
Pre-season inventory, service truck financing, emergency parts capital for HVAC and mechanical contractors. 500+ FICO. 24-hour funding.
At a glance
What financing is available for HVAC and mechanical contractors?
Pre-season inventory, service truck financing, emergency parts capital for HVAC and mechanical contractors. 500+ FICO. 24-hour funding.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund hvac & mechanical contractors
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against hvac & mechanical contractors every week. Cash flow patterns, repayment tolerance, and seasonality are read from your bank activity, not assumed from your category code.
24 hr
Typical funding speed
500+
FICO floor
$15K+
Monthly revenue minimum
No docs
Required to start an application
Every approval comes from a person, not a policy engine. An underwriter who has read hundreds of hvac & mechanical contractors bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in hvac & mechanical contractors.
The scenarios below are the recurring reasons ICG funds this vertical. If your situation looks like one of these, the underwriting playbook is already written.
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.
Products mapped to this industry
- Revenue Funding
Pre-season working capital for inventory and staffing, priced against your service revenue.
- Line of Credit
Revolving capital for emergency parts and same-day wholesale purchases during peak season.
- Equipment
Finance service trucks, diagnostic equipment, and commercial refrigeration tools with the equipment as collateral.
Eligibility for hvac & mechanical contractors
The bar is short. And it is the whole bar.
No upsells, no surprise documents. Meet the criteria below and the application is built for you.
- 01
Minimum 6 months operating as a licensed HVAC/mechanical contractor
- 02
$15,000+ monthly revenue
- 03
500+ personal credit score
- 04
Valid state mechanical/contractor license
Seasonality
What normal looks like across the year.
ICG underwriting is calibrated to these rhythms. Slow months are not red flags. They are part of the model.
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.
Get funded in your city
HVAC & Mechanical Contractors funding near you.
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Questions, answered
Real questions from hvac & mechanical contractors operators answered straight.
Do you fund residential-only contractors?
Yes. Residential HVAC contractors with 6+ months of operating history and consistent homeowner deposits are ideal candidates.
Can funding be used for EPA 608 certification costs?
Working capital can be used for business-purpose expenses including training, licensing, and equipment certification costs.
Will 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.
Ready when you are
Get hvac & mechanical contractors funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.