My slow season looks bad on statements. Does that kill it?

Not if it's explained before submission. A four-month window that lands entirely in your slow season is worth a conversation about timing.

Can I fund inventory before the season?

That's one of the most common files we place in this trade, and one of the easier ones to justify.

Do maintenance agreements help?

Yes. Recurring revenue is the strongest thing on an HVAC file.

Can I finance consumer-facing install financing?

That's a different product than the ones on this site. We'll point you to it rather than sell you the wrong thing.

Industry

HVAC & Home Services

Two months of the year you can't hire fast enough and two months the phone barely rings. You have to buy equipment before the season that pays for it, and the shoulder months are where good companies get thin. Underwriters who don't know the trade read your February statement as a decline; we read it as February.

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What we fund here

Pre-season inventory: condensers, furnaces, parts: $25K – $200K
Service van plus wrap and fit-out: $35K – $120K
Payroll through the shoulder season: $15K – $100K
Marketing ahead of the first heat or cold snap: $10K – $75K

Ranges are typical, not guaranteed. Your terms depend on your business and the funder.

What usually fits

Flex Line of Credit

The swing repeats every year — draw before the season, repay during it.

$10,000 – $250,000

Equipment Financing

Vans and install equipment secure themselves.

$10,000 – $2,000,000

Working Capital

For a single pre-season inventory buy with a known payback.

$10,000 – $500,000

What underwriters look at

Whether the seasonal dip matches the seasonal spike — a real pattern is underwritable, a decline isn't.
Financed-install or third-party consumer financing volume, which changes how revenue lands in the account.
Maintenance-agreement revenue, which underwriters like because it's recurring.
Truck count versus revenue. Six vans and one van's revenue is a question.

Questions

My slow season looks bad on statements. Does that kill it?: Not if it's explained before submission. A four-month window that lands entirely in your slow season is worth a conversation about timing.
Can I fund inventory before the season?: That's one of the most common files we place in this trade, and one of the easier ones to justify.
Do maintenance agreements help?: Yes. Recurring revenue is the strongest thing on an HVAC file.
Can I finance consumer-facing install financing?: That's a different product than the ones on this site. We'll point you to it rather than sell you the wrong thing.

Let's see what your numbers support.

Three documents to start: the last four months of business bank statements, a driver's license, and a voided check. That's the whole file to get options back.

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