Funding your first year – SBA, microloan or something else?
Compare SBA 7(a) loans, microloans, and other startup capital options so you don’t torch personal savings in year one.
Read articleBuying an HVAC business – how much equity do you need?
Break down SBA equity injection rules, seller financing, and diligence so your acquisition deal actually closes.
Read articlePayroll is due Friday and two big jobs haven’t paid – now what?
Explore lines of credit, factoring, and prevention tactics when receivables lag but payroll can’t wait.
Read articleSeasonal cash swings – line of credit, MCA or factoring?
Compare LOCs, merchant cash advances, and factoring for HVAC seasonal cash crunches so you pick the right tool.
Read articleCRM or workflow changes have bloated WIP – how do you finance the gap?
Use the right credit line and tighter billing routines to survive a CRM transition that delays invoicing.
Read articleShould you offer customer financing at all?
Weigh dealer fees, approval rates, and pricing tactics before rolling out consumer financing to HVAC buyers.
Read article0% for 24 months sounds great – what does it cost you?
Understand dealer fees, deferred interest, and pricing math behind “0%” HVAC financing promos.
Read articleCan you legally raise your price and give a cash discount?
Learn how to price HVAC jobs with transparent cash discounts while staying on the right side of consumer laws.
Read articleWhich third-party lenders actually pay quickly and integrate with your sales flow?
Compare bank, fintech, and OEM-aligned lenders by speed, approvals, and integrations before you pitch financing.
Read articleCustomers assume everybody offers financing – how do you compete without bleeding margin?
Structure HVAC financing offers that win deals while keeping dealer fees and promo costs from wrecking profit.
Read articleFinancing big commercial jobs – deposits, materials and retainage.
Use SBA CAPLines, progress billing, and careful contract controls to cover commercial HVAC job costs.
Read articleExpanding your fleet – finance vans or tap your line of credit?
Weigh SBA terms, leasing, and LOC usage before you tie up working capital in new HVAC trucks.
Read articleInventory and equipment – vendor financing vs bank loan.
Compare vendor programs, bank loans, and online lenders for stocking HVAC equipment without killing cash.
Read articleWhat credit score and documents do lenders actually require?
See the credit benchmarks, financial statements, and collateral lenders expect before funding an HVAC shop.
Read articleAccounts receivable are ballooning – factor invoices or tighten terms?
Decide when to tighten HVAC payment terms versus using factoring so cash keeps up with installs.
Read articleMarketing is a cash hog – how do you finance growth without choking cash flow?
Plan financing for campaigns with revolving credit, ROI tracking, and disciplined spend so marketing pays back.
Read articleTaking private equity or selling to a roll-up – what happens on the ground?
Understand how PE deals alter pricing, culture, and control before you sign away your HVAC brand.
Read articleStructuring “same-as-cash” financing without deferred-interest gotchas.
Offer true same-as-cash HVAC financing by avoiding deferred interest traps and coaching customers on payoff.
Read articleWhat’s a fair consumer APR for HVAC installs? How do long terms affect close rates?
Balance APRs, dealer fees, and term lengths so HVAC financing closes deals without crushing profit.
Read articleHow much cash float per technician does a start-up need?
Plan reserves per field tech so payroll, fuel, and parts are covered even when HVAC revenue dips.
Read articleUsing SBA or term debt to acquire another HVAC shop – what due diligence do banks want?
Prepare the financials, integration plan, and guarantees lenders need when you buy a competing HVAC company.
Read articleHow fast do different financing partners fund once a customer is approved?
Stack funding timelines for banks, SBA Express, online lenders, and factoring so you know when cash hits.
Read articleManufacturer promo plans vs third-party lenders – which is cheaper?
Compare OEM-subsidised financing with independent lenders by fees, rebates, and integration effort.
Read articleWhere do owners swap intel on financing partners and terms?
Find the associations, forums, and communities where HVAC owners share lender experiences.
Read articleThe least brain-damage path to offering financing without a compliance nightmare.
Set up HVAC consumer financing with vetted partners, clean disclosures, and simple training to stay compliant.
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