HVAC Business Loans

Keep your customers comfortable with plumbing and HVAC business loans

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Types of Plumbing and HVAC Business Loans

Small Business Loans icon

Small Business Loans

Access business financing to successfully run your plumbing, heating and cooling company.

$5,000 to $500,000

Equipment Financing and Leasing icon

Equipment Financing and Leasing

Purchase or lease equipment for your plumbing and HVAC business.

Up to $150,000

How a Plumbing and HVAC Business Loan Can Help You

To stay relevant in the competitive plumbing, heating and cooling industry, your HVAC business needs to offer superior service and products. However, running a heating and cooling business can be costly, especially during the slow seasons. Plumbing and HVAC company loans help you stay competitive when money is tight and grow your company when business is booming.

Meet Efficiency Standards icon

Meet Efficiency Standards

  • Use a working capital loan to purchase new specialized HVAC tools for your business operation
  • Offering the latest heating and cooling equipment makes your business more desirable to contractors
Upgrade Technology icon

Upgrade Technology

  • Offer expert support and installation of smart home technology that works with their HVAC system
  • Install software for your business that helps you run remote diagnostic tests for clients
Employee Training Expenses icon

Employee Training Expenses

  • Hire new plumbing and HVAC technicians to meet the demand for your growing business
  • Invest in employees with safety and skills training programs
Cover Regular Costs icon

Cover Regular Costs

  • Pay for monthly utility or rent expenses for your office
  • Make sure your business is properly insured and licensed

How to Apply

How do plumbing and HVAC company loans work? Applying for a HVAC business loan has never been easier.
How to Apply steps

Why National Funding?

When your business needs funds to cover expenses or take advantage of new opportunities, you probably don’t have time to wait for approval from a traditional lender. At National Funding, our quick application and approval process makes getting the money your business needs simple. We make it easy to get HVAC business loansso you can focus on improving your business.

We Know Heating & Cooling Businesses

We Know Heating & Cooling Businesses

Experience supporting heating and cooling business owners

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Plumbing and HVAC Business Resources

Managing the finances for your plumbing and HVAC company can take up a lot of valuable time. We’ve put together a list of resources you can use to help you secure small HVAC business financing and make smart choices about your business finances.

Business Plan for an HVAC Company

Business Plan for an HVAC Company

Having a business plan for your HVAC company can make managing your business much easier. A business plan allows you to follow your road map for your business and stay on track for your goals. Use these tips to create and update your heating and cooling company’s business plan.

Raise Your Heating and Cooling Prices without Worrying Clients

As you grow your business, there comes a time when you need to consider raising your prices. If you’re considering raising the hourly rate or other prices for your HVAC services, there are steps you can take to limit reactions from your clients. Follow these steps to raise your prices.

Raise Your Heating and Cooling Prices without Worrying Clients

What You Need to Know About SBA Loans

What You Need to Know About SBA Loans

A SBA loan is a regular bank loan that is backed by the Small Business Association. This program offers ideal loan terms for business owners. However, there are many factors that go into applying for and being approved for an SBA loan. Take a look at some of the reasons you might need to have a backup plan.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.


Trustpilot rates 4.5 out of 5

Based on 1,730 Reviews

Trustpilot rates 5 out of 5Jul 19

As far as bridge financing goes...

As far as bridge financing goes these guys are about as good as it's going to get we paid it off early and got a 10% discount on the balance

Randy Shoemaker

Trustpilot rates 5 out of 5May 28

Eric Fong did an amazing job

I will definitely recommend any small business needing one form of funding or the other to check National Funding out.

Sam A.

Trustpilot rates 5 out of 5Jun 06

Hats off to the team that helped me…

Hats off to the team that helped me with some business lending. They made the process super easy for both working capital and equipment loans.

Hallie Beilig

Trustpilot rates 5 out of 5Jun 15

Great experience

Great experience, easy funding, paid next day! Smooth & straightforward process! Still lowest offered than any other lenders.