Question 1

What HVAC equipment can be financed?

Accepted Answer

Service trucks and vans, diagnostic equipment, recovery machines, vacuum pumps, manifold sets, duct fabrication equipment, installation tools, and more. Both new and used equipment qualifies.

Question 2

Can I finance an HVAC service truck package?

Accepted Answer

Yes! Many HVAC companies finance complete truck packages including the vehicle, toolboxes, ladders, and initial tool inventory. This can be bundled into one financing package.

Question 3

Is EPA certification required for HVAC financing?

Accepted Answer

While not always required for financing, EPA Section 608 certification is required by law to purchase refrigerant and work on most HVAC systems. Lenders may verify this credential.

Question 4

Can new HVAC technicians get equipment financing?

Accepted Answer

Yes, but requirements are stricter. New business programs typically require strong personal credit (680+), industry experience (even as employee), and may require larger down payments.

Question 5

What about financing HVAC inventory?

Accepted Answer

Some equipment financing can include initial inventory. For ongoing inventory needs, a business line of credit or working capital loan may be more appropriate.

Question 6

How much do HVAC contractors typically finance?

Accepted Answer

First equipment purchases often range from $25,000-$75,000 for a truck and tools. Established companies may finance $100,000+ for fleet expansion or specialized equipment.

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