You buy the season in March. It pays you in July. We fund the gap in 24–48 hours.
Working capital for HVAC and mechanical contractors — $20K to $2M against your deposits, not your balance sheet. Stock equipment, hold your techs through the shoulder season, and add trucks before the first heat wave. See your options in 60 seconds, free and with no obligation.
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Check your funding options
How much funding are you looking for?
Insider insight
Right-size the ask to your revenue
Approvals move fastest when the amount requested lines up with what your deposits can comfortably service — most direct lenders fund up to roughly 1–1.5× your average monthly revenue. Not sure what's realistic? Your advisor will help you land on the right number.
You buy the season in March. It pays you in July.
Stocking orders, tech payroll, truck inventory, and marketing all go out during the quiet months. Then the first 95° day arrives and everything happens at once. The demand isn't the problem. The order of operations is.
The season pays in bursts. Overhead runs twelve months.
Two or three weeks of extreme weather can carry a quarter. Rent, insurance, truck payments, dispatch, and salaried staff don't move at all. The gap between those two curves is filled with your own cash, every single year.
You buy inventory before the phone rings
Condensers, furnaces, coils, and mini-splits are ordered in the shoulder season, on distributor terms, months before an install date exists. Seasonal dating helps — until the invoice comes due in a week the weather hasn't cooperated.
Shoulder season is when you lose techs
March, April, September, October. A trained tech you can't keep busy in April is a tech your competitor has in June — and the labor shortage means you don't replace him, you just run fewer trucks during the only weeks that pay.
Whoever has the unit in the warehouse gets the job
It's 100 degrees, the homeowner calls three companies, and the one that can install tomorrow wins. Stock is what converts an emergency call into a same-week replacement — and stock is cash sitting on a shelf until it does.
Rebates and credits pay you back long after you discounted the job
Manufacturer and utility rebates are applied at the sale and reimbursed on their own schedule. You fund the incentive, the customer gets it immediately, and you wait on the paperwork.
A stocked truck costs real money before it makes any
The van, the wrap, the racking, the tools, the parts inventory, and the tech in the seat all come first. Adding capacity in this trade is always a cash-out event months before it's a revenue event.
From application to funded, before the first heat wave
No inventory report to assemble. No aging schedule. No two years of returns. No waiting weeks for a maybe while the stocking window closes.
Tell us about the company
A 60-second application — no purchase orders to pull, no distributor statements, no tax returns to dig up. Just the basics that let us match you to the right structure.
Talk to an advisor who knows the trade
Your dedicated Funding Advisor reviews your file and confirms real options, usually the same business day. Tell them when your season actually runs and repayment gets built around that.
Get funded
Approve your terms and the capital lands in your business account — as soon as the same day, and typically within 24–48 hours of a signed agreement.
One direct lender. Every way to fund a season.
Because we underwrite in-house, we match the structure to the need — a stocking order you'll turn by August is a very different product than a fleet of service vans you'll run for eight years.
Working Capital
$20K – $1M
The seasonal product. Stock equipment, hold your techs through the shoulder, and fund in-season marketing — then repay through the months the season actually pays. Decided heavily on your deposits, not your credit score.
Term Loans
$25K – $2M
Fixed payments for planned moves — a second location, a warehouse, an acquisition, a build-out of the install department. Rates as low as 5.99% for strong files.
Equipment Financing
Up to $2M
Service vans, box trucks, recovery and charging equipment, sheet metal shop tooling, and lifts — financed with the equipment itself as collateral.
Line of Credit
$10K – $250K
Draw for a restock, repay when the season turns it, and only pay for what you're using. Built for a business whose cash need moves with the thermometer.
Six places a few weeks of capital changes the season
This isn't money to sit on. It's money with an install date — and every one of these has a weather forecast attached to it.
The pre-season stocking order
Buy the equipment before the season instead of chasing availability during it. Take the distributor's early-pay or seasonal dating terms on your own timing rather than on whatever your account balance allows in March.
Holding the techs through the shoulder
March and April, September and October. Cover payroll for trained techs during the weeks that don't pay so you have a full board of trucks the week they do — instead of recruiting during a heat wave.
Adding a stocked service truck
Van, wrap, racking, tools, and the parts inventory that makes it productive. Finance the vehicle with the vehicle as collateral and fund the rest of the outfitting as working capital.
The refrigerant changeover
The AIM Act phasedown moved new residential and light-commercial equipment to A2L refrigerants like R-454B and R-32. New platform inventory, new recovery and leak-detection tooling, and tech training are all real cash costs that arrived on a federal schedule, not yours.
In-season restock and in-season marketing
The week it breaks 100, the only companies growing are the ones with units on the shelf and enough budget to answer every call. Both of those are decided by your cash position before the weather turns, not during it.
Buying a maintenance base
A retiring competitor's service agreements are recurring revenue and a book of replacement leads. Talk to your advisor before you sign a purchase agreement — the right structure depends on the size and how the seller wants to be paid.
Residential, light commercial, and mechanical.
Service and replacement, new construction, or a full mechanical shop. If your costs land months before your revenue does, your cash flow is exactly what we underwrite.
- Residential HVAC service & replacement
- Light commercial HVAC
- Commercial mechanical contractors
- Heat pumps & mini-splits
- Furnaces & air handlers
- Rooftop units & packaged systems
- Commercial refrigeration
- Walk-in coolers & freezers
- Boilers & hydronic heating
- Radiant & in-floor heat
- Geothermal
- Ductwork & sheet metal
- Duct cleaning & indoor air quality
- Ventilation & exhaust systems
- Chillers & cooling towers
- Building controls & BAS
- Plumbing & HVAC combined
- Electrical & HVAC combined
- New construction HVAC
- Multifamily & property management contracts
- Oil & propane heating service
- Fireplace & hearth
- Restaurant equipment service
- Maintenance-agreement operators
Don't see your specialty? It's on the list. Pick the closest match on the form and your advisor will sort it out.
Express Capital vs. other lenders
A bank wants two years of returns, a smooth revenue trend, and four to eight weeks. The stocking window is now. Plenty of online shops will move fast and price it like an emergency. Here's the honest middle.
Swipe to compare all three →
You've filled out an HVAC funding form before. You know what happened next.
Your phone rang for a month straight — during your season. That's a broker who collected your file and sold it into a network. Express Capital funds with its own money — one decision, one advisor, one number that calls you.
We fund with our own capital
Most "contractor funding" sites are brokers who shop your file to third parties and take points off the top. We keep the paper on our own books — so the decision, the terms, and the money all come from one place.
One decision, not a bidding war
We underwrite in-house, so there's no waiting on an outside committee while the stocking window closes. Straightforward files can see a real offer — and funding — the same business day.
We expect the season to be lumpy
A chart of HVAC revenue looks alarming to a lender that funds businesses with even monthly sales. We underwrite deposits with the seasonality in view, so a strong operator doesn't get penalized for a quiet April.
A relationship, not a transaction
Because we hold the paper, we want your next season to be bigger. Renewals, increases, and better terms as you grow are the whole point of doing it this way.
An advisor who already knows why April is the hard month
No call center. No getting passed around. One dedicated Funding Advisor who learns your season, your distributor terms, and your service base — and picks up the phone during the week it hits 100 degrees.
They learn your season
Tell them which months carry the year and which ones you have to fund your way through. That's what repayment gets sized around — not a grid that assumes revenue arrives evenly every month.
They stay through the year
The same person for the spring stocking order, the summer peak, the fall shoulder, and the renewal. A relationship, not a ticket number and a new rep each time.
They fight for your file
When the numbers are close, a human who understands seasonal revenue and distributor terms can find a path a rigid scoring model never would — the difference between a “no” and a solution.
They help you build
We report to the business credit bureaus and share that reporting with you — so each round builds credit history in the company's name and makes the next round stronger.
Capital priced for operators
Checking your options is free, takes about 60 seconds, and comes with no obligation.
Old-school relationship banking, brought back
Rated 4.8/5 stars across hundreds of reviews on Trustpilot and Google. One client — a seasonal operator carrying payroll through the slow months — described the difference better than we could.
“We worked with Jon at Express Capital — I actually built the relationship a year ago. One of our businesses has regular marketing needs and down-season payroll needs that we often use short-term funding for during the winter months. We just began our initial agreement with Express Capital and the process has been really smooth so far.
What we really like is that they operate like your old-school banker may have operated generations ago. They ask for a list of your objectives and talk through your needs for funding — they want to get to know the business. They also report to business credit for you and help you build your business credit history, and provide that reporting to you. Most lenders just look at your past three months of revenue, run their typical equation, and hand you a max loan amount with difficult payback terms.
Express Capital approves a total amount, but you can draw what you want based on need — like a line of credit — so you only pay interest on what you're currently using. They keep in touch, re-evaluate, and can issue more funds if needed. They can also refinance and extend terms, and will even work with a business that can't make a payment rather than sending it straight to collections.
Personal relationships and the ability to talk to someone who crafts things just for you is a lost art in a world of shoveling products through a lead funnel as fast as possible. This is where Express Capital offers real market differentiation — an excellent solution for any business, especially small ones.”
“After weeks of dealing with brokers offering less-than-ideal terms, Mico took the time to learn about our business and developed solutions for our capital needs at great rates. Express Capital are direct lenders, so you're dealing directly with decision-makers — someone you can build a longer-term financial relationship with. The whole process was smooth and got us funded at great rates.”
“Great experience! Dan Morris treated me with total respect and handled everything professionally. Transparent terms and very fair rates. I'll definitely be back if I need help again.”
“Jon and Kamila were great to work with. They understood my needs and were able to structure financing to meet them.”
“Jon made the process super fast and easy for us — no haggle, just got it done. By far the easiest company to work with if you need additional funds for your business.”
“Anthony at Express Capital Funding was outstanding. He was quick, efficient, and incredibly kind throughout the entire process. He made everything simple and stress-free, kept communication clear, and truly cared about helping. I highly recommend Anthony and Express Capital Funding to anyone looking for fast and reliable funding with excellent customer service.”
“Working with Jess is key — along with the flexible, custom options. Great experience from the start!”
“Amazing experience all around. I spent almost a month shopping around for loans. Everyone either was an immediate no or wanted to rush me to sign immediately. Once I finally found these guys, Anthony called me with a very warm greeting and conversation. He spent about a week with me going back and forth trying to find the absolute best option for me. I am so glad I found them as I will continue to come back to them for future capital needs.”
“Great experience with Express Capital! I just received my second round of funding with them. Justin, Pablo, and Brian are the best — a pleasure to work with!”
“Great communication and fast response. Very pleased with the service.”
Straight answers for HVAC contractors
Seasonality, stocking orders, trucks, acquisitions. The questions mechanical contractors actually ask before they sign anything — answered plainly.
It's expected, and it's one of the main reasons contractors come to a direct lender instead of a bank. We underwrite the deposits in your business bank account over recent months with the seasonality in view. Tell your advisor which months carry your year and which ones you fund your way through — that context shapes both the amount and the repayment schedule, and it carries real weight in a close file.
That's one of the cleanest uses of working capital in this trade. Your distributor's seasonal dating and early-pay terms are useful, but they're set on the distributor's calendar and capped by your account limit. Funding the stocking order yourself lets you buy on your timing, at the size you actually want, and take the early-pay discount instead of stretching the account into the season.
Yes — equipment financing up to $2M, with the equipment itself as collateral. That covers service vans and box trucks, recovery and charging equipment, sheet metal shop tooling, and lifts. The parts inventory and the outfitting that make a truck productive are usually funded as working capital instead. Your advisor will tell you which structure costs less for what you're doing.
Talk to an advisor before you sign anything. Acquiring a book of service agreements is a real, common growth move in this trade, and a term loan is often the right instrument — but the structure depends on the size of the book, how it's priced, and how the seller wants to be paid. Bring the deal to the call early and you'll get an honest read on what's fundable and what isn't.
It changes the timing, which changes the structure. Builder work pays on draw schedules, often 30 to 60 days behind the rough-in and trim you've already paid your crews for, and some of it carries retainage to closeout. Tell your advisor your mix of service, replacement, and new construction — they pay on very different clocks, and the repayment should reflect that.
Generally: at least 6 months in business, revenue in the last 4+ months, roughly $10,000+ in average monthly revenue, and a U.S. business bank account. To see options, the 60-second form is enough. To fund, we'll usually want recent business bank statements — no inventory report, no purchase orders, no two years of tax returns. Credit is considered, but strong, steady deposits can offset a thinner score on many of our programs.
Express Capital is a direct lender making true business loans — stated terms, no pre-payment penalty, and no broker points taken out of your funding. A merchant cash advance buys a slice of your future receipts at a factor rate, which is a different instrument with a different cost. If a short revenue-based structure genuinely fits your situation better, your advisor will put both sets of numbers in front of you and tell you which one costs less.
As is standard across virtually all business financing, we may file a UCC-1 financing statement. That's a routine public filing noting our interest in business assets — it isn't a lien on your home, it doesn't affect your customers or your maintenance agreements, and it's released once the funding is paid off. Your advisor will walk you through exactly what it means before anything is signed.
Not automatically. We fund from cash flow first, so consistent deposits can carry a file that a credit-first lender would decline. Free consumer apps usually show a VantageScore, while lenders pull FICO — those can run 70–100 points apart. If the numbers are close, talk to an advisor rather than assuming the answer; we regularly find paths for operators other lenders turned away.
Straightforward files often see a real offer the same business day, with funds landing as soon as the same day when you get bank statements over quickly — and typically within 24–48 hours of signing. Practical advice: if you want the stocking order in before the season, start in the shoulder, not during the first heat wave. Larger or more complex requests take a little longer, and your advisor will give you the honest timeline up front.
Yes. Your data is encrypted in transit, we never sell it, and you're in control of every step before anything is finalized. Because we're a direct lender and not a broker, your file doesn't get distributed to a network of buyers — which is why your phone doesn't start ringing off the hook.
Get your number before the first heat wave — not during it
About 60 seconds, no obligation, and a dedicated advisor calls you personally — usually the same business day. Fund the season while there's still time to stock it.