Workable Funding for HVAC businesses.
Working capital for established heating, ventilation and air-conditioning contractors—equipment, parts and crew payroll between customer payments.
Typically 48–72 hours after approval and signed contracts. Subject to review and approval.
Capital for the work between invoices.
An installation can require equipment purchases and crew hours before the final invoice is paid. Workable Funding reviews business deposits and existing obligations to assess whether an advance fits your operating cash flow.
- Purchasing units and replacement parts for booked jobs
- Covering crew payroll before customer payments arrive
- Replacing diagnostic tools or service equipment
- Building parts inventory before a busy season
- Covering mobilization on commercial maintenance work
- Supporting business operating costs through seasonal gaps
A funding review built around your business.
Cash flow, not the job headline
We review bank deposits and existing payments rather than treating a large contract as cash already received.
One Workable relationship
Workable Funding manages application review, underwriting and funding coordination through one desk.
File-specific terms
3–12 months terms; Typically about 1.15–1.50, set per file. No amount or rate is guaranteed.
Before you finance an HVAC job
Separate the cost of a booked installation from the deposits the whole business can support. Repayment continues on its agreed schedule even if a customer pays late or the weather changes demand.
Compare the daily or weekly debit with payroll, supplier bills and your slower months. Funding can bridge a timing gap, but it does not make an unprofitable job profitable.
Apply with your business details and recent business bank statements through the merchant application. Brokers should use the ISO submission path for client files; Canadian businesses should review the separate Canada criteria.
What you need to qualify.
General US review starting points—not a promise of approval. Canadian businesses have separate criteria.
Repayment is a fixed daily (business-day) or weekly debit from your business bank account. Review the payment amount and all agreement terms before accepting.
No equipment collateral is required, but a personal guarantee from the business owner is required. Review the agreement before accepting.
3–12 months terms. Typically about 1.15–1.50, set per file. Canadian program criteria.
Questions, answered.
Can HVAC contractors use funding for equipment and payroll?
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Yes. An approved business can use the advance for business expenses such as units, parts, service equipment and crew payroll. Approval depends on deposits and the complete file, not the proposed use alone.
Do you finance a homeowner's HVAC installation?
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No. This page is for HVAC business owners seeking working capital, not homeowners financing a heating or air-conditioning purchase.
Can seasonal HVAC businesses qualify?
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Seasonal businesses can be reviewed. We assess whether current deposits and existing obligations can support the proposed payment, including slower periods; approval is not automatic.
Is this a bank loan or consumer financing?
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No. Workable Funding reviews established businesses for merchant cash advances, not bank loans or financing for individual consumers. Review the total repayment and agreement terms before accepting.
How are payments collected?
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Repayment is a fixed daily (business-day) or weekly debit from your business bank account. Review the payment amount and all agreement terms before accepting.
Is equipment collateral or a personal guarantee required?
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No equipment collateral is required, but a personal guarantee from the business owner is required. Review the agreement before accepting.
How quickly can an approved business receive funding?
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Most complete files get a decision the same business day (Mon–Fri, 9am–6pm ET). Typically 48–72 hours after approval and signed contracts. Approval and timing depend on the complete file.
Can Canadian businesses apply?
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Yes. Canadian businesses use the separate Canadian program criteria at workablefunding.com/canada; do not apply the US minimums to Canadian files.
Ready to get funded? It takes 2 minutes.
No impact to your credit. Same-day decisions on most complete files.