Commercial HVAC Replacement Financing — Fund the Repair or New Unit Fast

Rooftop unit down or on its last leg? Get $10K–$50K+ approved on your bank deposits, not your credit score. Soft pull to check, FICO 500+ OK, funded in as little as 24 hours.

Your rooftop unit died and the business can't run without it

The compressor is gone. The HVAC company quoted you $28,000 for a new rooftop unit, plus a crane and a day of labor. It's July, your retail floor is 88 degrees, and customers are turning around at the door. Or you run a gym and the members are already texting about the heat. This isn't a "get three bids and decide next month" problem — every day the unit is down, you're losing revenue, and the repair bill only climbs when you limp an old system along.

The catch: a $28K equipment quote is more than most businesses keep in checking, and your bank wants two weeks, a full financial package, and a credit score you may not have right now. Meanwhile the crew is standing in the parking lot waiting on a deposit. You don't need a lecture on planning ahead — you need the money to keep the doors open.

We fund commercial HVAC replacement and emergency repair based on your business bank deposits, not your personal credit. Down units, aging rooftop systems, split-system swaps, walk-in cooler compressors — any business, any industry. FICO 500+ is fine. Checking to see if you qualify is a soft pull, so it won't ding your score.

How it works — three steps

• 1. Apply online in minutes. Basic business info and a soft credit check — no hit to your score, no commitment. Fill out the application from your phone in the parking lot if you have to.
• 2. Send 3 months of business bank statements. That's what we underwrite on. Steady deposits matter far more than your FICO. Have your HVAC quote handy so we can size the funding to the actual job.
• 3. Get a decision and sign. Approved offer, you e-sign, and funds hit your account — often the same day. Pay the HVAC contractor's deposit and get the crane scheduled.

Who qualifies

• Any business in any industry — retail, office, restaurant, gym, warehouse, medical, auto, manufacturing.
• Roughly 4+ months in business with regular deposits into a business bank account.
• FICO 500+ — bad credit is OK, we underwrite on cash flow.
• No collateral required for working capital; use funds for the unit, install, crane, or emergency repair.

Straight answers

Can I get HVAC financing with bad credit?

Yes. We approve on your business bank deposits, not your credit score. FICO 500+ is fine — if your statements show steady revenue, credit history is a much smaller factor than at a bank.

How fast can I actually get the money?

Here's the honest rule: if you apply before early afternoon ET on a weekday and get your bank statements in and the offer signed the same day, funding can land that same day. Send it Friday afternoon and you're likely looking at Monday. No unit gets fixed faster than the money moves, so get the application in early.

Do I have to use it only for the unit?

No. It's working capital. Use it for the rooftop unit, the compressor, install labor, the crane, electrical upgrades, or any related emergency cost. You decide how to spend it.

Will checking hurt my credit?

No. Checking whether you qualify is a soft pull — no impact on your score, and no obligation to take the offer.

How much can I get for an HVAC replacement?

Funding runs from $10K to $5M. A single rooftop unit is usually $10K–$50K; a multi-unit job or full system replacement can go higher. We size the offer to your deposits and the actual quote.

What do I need to apply?

Basic business details and your last 3 months of business bank statements. Having your HVAC contractor's quote ready helps us match the funding to the job.

Get the unit running again

Don't lose another day of business to a dead rooftop unit. Apply now — soft pull, FICO 500+ OK, approved on your deposits, and funded in as little as 24 hours.

Start your application