Financing for HVAC Professionals
Whether you’re a commercial contractor installing rooftop units or a residential installer upgrading to high-efficiency systems, Commerce Capital provides fast, flexible financing to keep your HVAC business running year-round.
HVAC Equipment We Finance
From rooftop units to residential mini-splits — if it heats, cools, or ventilates, we can finance it.
Why HVAC Professionals Choose Us
We Know the HVAC Industry
We work with HVAC contractors and facility managers regularly. Our team understands seasonal demand swings, the shift toward high-efficiency systems, and the capital requirements of commercial installations.
Same-Day Credit Decisions
When a commercial job lands and you need equipment fast, waiting weeks for a bank isn’t an option. We deliver credit decisions the same day — often within hours — so you can stay on schedule.
Competitive Rates & Terms
We shop your deal across multiple financing sources to find the most competitive rate and structure — so you get the best deal, not just the first offer.
Finance Entire Projects
Bundle equipment, installation labor, ductwork, controls, and maintenance agreements into one financed amount with a single monthly payment. Ideal for large commercial HVAC projects.
We Work with All Credit Profiles
From A-credit to startups and second-chance borrowers — we have financing options across the full spectrum. If you’ve been turned down elsewhere, talk to us first.
A Dedicated Point of Contact
You’ll work with one person from start to finish — not a call center. We know your name, your business, and your equipment. That’s how it should be.
Get Financed in 4 Easy Steps
Get Your Quote
Get a formal quote from your equipment supplier or distributor with full project costs including installation.
Apply Online
Fill out our simple one-page application — it takes about 5 minutes.
Get Approved
We find the most competitive financing option for your deal and present you with the best terms.
Get Your Equipment
Sign electronically, the supplier gets paid directly, and your project moves forward.
Trusted by HVAC Professionals
“We landed a large commercial install and needed financing lined up quickly. Commerce Capital got us approved and funded within 48 hours — and the rate was better than what our bank quoted. Couldn’t have done the job without them.”
HVAC Equipment Financing FAQ
Yes. We can bundle the equipment cost with installation labor, ductwork, controls, thermostats, and even maintenance agreements into one financed amount with a single monthly payment. This is especially common for large commercial projects.
Yes. We finance both new and used equipment. As long as the equipment has remaining useful life and holds value, we can typically get it financed. This is common with commercial rooftop units, chillers, and boilers.
We work across the full credit spectrum — from excellent credit to startups and challenged credit. We can often find a path to approval even if your credit isn’t perfect. Reach out and we’ll give you an honest assessment.
Most credit decisions come back the same day — often within a few hours. Once approved, documents are sent for electronic signature and funding typically happens within 24–48 hours of receiving signed docs.
For most deals, no. We offer application-only programs — just a one-page credit app and your equipment quote. Larger deals or certain credit situations may require additional documentation.
In most cases, yes. Under Section 179, you may be able to deduct the full purchase price of qualifying equipment in the year it’s placed in service — even if you finance it. The 2025 deduction limit is $2,500,000. Additionally, certain high-efficiency HVAC systems may qualify for additional energy tax credits. Consult your tax advisor for details.
Yes. We offer startup programs for HVAC businesses with less than two years of operating history. Strong personal credit and industry experience help. A down payment of 10–20% may be required. Contact us to discuss your specific situation.
Ready to Finance Your Next HVAC Project?
Whether you’re outfitting a commercial building or upgrading your service fleet, Commerce Capital makes HVAC financing fast, easy, and affordable.