$10,000 - $500,000 · Funded in 24-48 hours · Cover equipment costs · Bridge slow seasons
Demand spikes overnight when temperatures hit extremes. But equipment costs, payroll, and overhead don't wait for jobs to pay out.
Houston HVAC is feast or famine. When the heat hits 100°F, every phone rings at once. But hiring extra techs, stocking refrigerant, and buying new units all require cash before the jobs pay out.
New HVAC systems, diagnostic tools, service vans, and refrigerant recovery equipment run $5K-$50K each. You need the equipment to land the job, but the job pays for the equipment. That's the gap we close.
Spring and fall are slow for most HVAC companies. Payroll, insurance, and overhead don't pause. A line of credit or working capital loan keeps your business stable when calls dry up.
We match Texas HVAC contractors with the right product for their situation, whether you need to bridge a gap or scale through peak season.
Repaid as a percentage of daily card sales. Payments flex automatically with your revenue. Perfect for bridging slow seasons and covering upfront costs.
Cover refrigerant stock, payroll, and subcontractors during demand spikes or slow seasons. Fixed daily or weekly payments, approved on revenue.
Finance HVAC units, compressors, diagnostic tools, refrigerant recovery machines, and service vans. The equipment serves as collateral. No additional assets required.
Draw what you need per job. Repay it. Draw again. Ideal for HVAC companies managing multiple installs and service contracts with varying payout timelines.
Payments flex with your monthly revenue: more when peak season is busy, less in slow months. Built for the peaks and valleys of HVAC work.
Lowest rates and longest terms for established HVAC companies. Best for major equipment purchases, fleet expansion, acquiring a competitor, or opening a new location.
Most HVAC contractors qualify. The four factors lenders actually weigh.
Summer rush capacity, van fleets, slow Q1. Here’s what funding looked like for Texas HVAC operators.
HVAC company hit peak summer demand and needed two more service vans and an additional set of refrigerant recovery equipment immediately. Bank wanted real estate as collateral. We used the vehicles themselves as collateral and funded before the hottest week of the year.
Commercial AC service company won a facilities contract covering 14 office buildings. The contract was worth $600K over two years but required upfront equipment and technician certification costs. A term loan covered the ramp-up, paid back steadily as contract revenue came in.
Residential HVAC startup needed parts inventory and a second technician during their first full summer season. Revenue was strong but they were 45 days behind on supplier net terms. Working capital caught them up and gave them room to grow into Q4.
Banks see seasonal peaks and service vehicles and find reasons to say no. Here’s what they flag, and what we look at instead.
Banks typically require 2+ years of business tax returns before underwriting. HVAC startups doing $20K-$30K per month in their first year have no access to bank capital during their most critical growth phase.
We work with businesses 6+ months in operation. If you have 90 days of solid bank deposits, we have products designed for you.
Texas HVAC revenue triples in summer. Banks see that seasonal surge and flag it as inconsistent, even though every HVAC operator in the state runs the same pattern every year.
Peak season revenue is your strongest selling point. We use it to justify higher approval amounts, not lower them.
If you financed your service vans, banks may count those liens against you when calculating collateral for a new loan. Your biggest assets become liabilities in their underwriting model.
Revenue-based and working capital products don’t depend on collateral. Existing vehicle liens don’t affect your eligibility for these products.
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your HVAC funding options.
We fund hvac businesses in every major Houston suburb. Click your area for a page built specifically for hvac operators in that market.
We fund hvac businesses in every major Houston suburb. Click your area for a page built specifically for hvac operators in that market.
Stop letting slow seasons and equipment costs hold you back. Get the capital to take on every job.
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