Industries we fund · HVAC Companies
Working capital for HVAC businesses
HVAC is a seasonal sprint: summer and deep winter print money, shoulder seasons burn it. The companies that win are staffed and stocked before the first heat wave, not during it.
Clearwater places HVAC files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for HVAC business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a HVAC file
Funders know the HVAC calendar cold. A file applying in April with solid trailing winter months, positioning for summer, is the classic play and prices well. Maintenance-agreement revenue is gold in these files - recurring service contracts smooth the deposit curve and read as durable. Install-heavy books are lumpier but the lumps are big; both profiles fund, they just price differently.
What HVAC businesses use the capital for
- Staffing up and stocking equipment before peak season
- Fleet vehicles for new service routes
- Bulk equipment buys at preseason pricing
- Bridging shoulder-season payroll
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a HVAC business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
HVAC Companies funding questions
When is the best time for an HVAC company to apply?
Late spring or late fall - just before your peak. Your trailing months still show the last peak, and the capital deploys into the next one.
Do maintenance agreements help my file?
Substantially. Recurring contract revenue smooths your deposits and funders price smoothness. Mention your agreement count when you apply.
Can a two-man shop qualify?
Yes - size matters less than deposit history. Six months of operating history and consistent deposits are the practical floor.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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