Where do owners swap intel on financing partners and terms?

Networking pays off. Join the Air Conditioning Contractors of America (ACCA), Plumbing-Heating-Cooling Contractors Association (PHCC) and local trade associations. Attend dealer meetings hosted by your equipment manufacturer—competitors often share financing war stories over free coffee.

Online, HVAC subreddits, ServiceTitan’s community board and private Facebook groups can be gold mines. Always verify anecdotes with your own research: a lender that treated one contractor like a king may ghost another.

When you find a financing partner who delivers, pay it forward. In a fragmented industry, collaboration beats isolation.