Equipment Financing · HVAC & Refrigeration Equipment Manufacturing
Equipment Financing for HVAC & Refrigeration Equipment Manufacturing shops
Add capacity without draining cash. We match hvac & refrigeration equipment manufacturing manufacturers with the equipment financing structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.
Why hvac & refrigeration equipment manufacturing shops choose equipment financing
You're building residential HVAC, commercial refrigeration, heat pumps, and air-handling units against a seasonal calendar — copper, sheet metal, compressors, and controls bought in volume, then shipped to distributors and OEMs who pay 45, 60, sometimes 90 days later.
Summer and winter demand peaks front huge material and labor cost while the receivables lag into the next quarter. Distributor concentration is real, and refrigerant and component lead times add pressure.
Equipment Financing is one of the most direct ways to close that gap. Finance new or used machinery, CNC, robotics, and production lines.
What hvac & refrigeration equipment manufacturing shops get
- Preserve working capital for materials and payroll
- Predictable monthly payments
- Potential Section 179 / bonus depreciation benefits (ask your CPA)
- Terms typically 24–72 months
How it works
- 1You identify the equipment (new or used, vendor or private-party).
- 2We refer your inquiry to an equipment lender or lessor that fits your industry and profile.
- 3You get approved, sign, and the vendor is paid directly.
- 4You make fixed payments and the equipment goes to work.
Cash-flow realities we see in hvac & refrigeration equipment manufacturing
- Distributor and OEM customers on net-30 to net-90 terms
- Seasonal demand peaks fronting material and labor cost
- Copper, steel, compressor, and refrigerant pre-buys
- Distributor concentration in one or two large accounts
- Equipment and facility capex for assembly lines and test cells
Get referred for equipment financing
Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.
- ✓ No application, origination, or closing fees
- ✓ No equity given up
- ✓ US-based hvac & refrigeration equipment manufacturing shops only
Other programs that fit hvac & refrigeration equipment manufacturing
Invoice Factoring for HVAC & Refrigeration Equipment Manufacturing
Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
Explore Invoice Factoring for HVAC & Refrigeration Equipment ManufacturingPurchase Order Financing for HVAC & Refrigeration Equipment Manufacturing
Get the capital to fulfill large customer orders without straining cash flow.
Explore Purchase Order Financing for HVAC & Refrigeration Equipment ManufacturingEquipment Financing for other manufacturing niches
Frequently Asked Questions
Yes — equipment financing is one of the programs we most commonly place for hvac & refrigeration equipment manufacturing shops. Manufacturers buying or replacing machinery, tooling, automation, or vehicles used in production. Full mechanics: the Equipment Financing program page. Sector overview: HVAC & Refrigeration Equipment Manufacturing.
It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.
No. We are an independent business financing referral service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
Yes. Advance rates depend on your distributor or OEM customer's credit, not your plant size. A unit builder invoicing a distributor typically factors as cleanly as a large OEM.
Yes. PO financing pays your component suppliers directly against confirmed orders so the assembly line keeps fed through seasonal spikes.
Yes. Many partners finance used equipment, including private-party purchases, though rates and terms depend on the age and condition of the asset.
Ready to keep production moving?
Start with a quick app or a phone call. We'll tell you exactly what the right program requires. At no charge.
Apply. Fund. Deliver. No obligation.
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