Funding for HVAC
When the temperature spikes, the calls don't stop. Lúmen funds HVAC contractors to stock inventory ahead of peak season and keep every service truck on the road.
What hvac businesses are up against
Seasonal peaks
Summer and winter bring a flood of demand — you need inventory and crews ready before the revenue arrives.
Inventory pre-buys
Stocking units, parts, and refrigerant ahead of the season ties up serious cash when you can least spare it.
Fleet reliability
A truck down is a job lost; financing replacements and repairs keeps every tech billable.
Emergency demand
Heat waves and cold snaps create surges you can only capture if you've already invested in capacity.
Funding solutions for HVAC
These products fit how hvac businesses actually operate. Explore each in detail.
How we help hvac
Common use cases
- Pre-buy units and parts before peak season
- Finance or replace service trucks
- Cover payroll during the demand surge
- Bridge the gap on large commercial installs
“We used a line of credit to pre-stock condensers before summer. When the heat wave hit, we were the only shop in town with units on the shelf.”
Do you qualify? Most hvac businesses with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score can qualify. Checking your offers takes about five minutes and won't affect your credit score.
Fund your hvac business
Tell us your goal and a funding advisor will match you to the right product — usually within minutes. Apply with no impact to your credit score.