RushFi for hvac companies
Same HVAC shop.
Funding for your
new trucks.
Banks see a seasonal business. Our lenders see the service calls, installs and maintenance plans that deposit into your account every week.
No credit check to apply · Decisions in days · No obligation
Business checking · this week
Example only. Every business is different.
Your bank is judging the wrong season.
HVAC revenue spikes with the weather, and banks read the slow months as weakness. Meanwhile the parts, the crew and the trucks have to be paid before the heat wave hits.
Uneven
Even with steady yearly revenue
2–3 yrs
Of tax returns and financials
Weeks
While the heat wave comes and goes
RushFi doesn’t guess.
Lenders in our network fund hvac companies on what your business actually brings in. Not a credit score. Not a stack of tax returns.
Same business. A different answer.
Approved on revenue
Your deposits tell lenders more than a credit score does.
Decisions in days
No months-long bank underwriting. Most of the work is your statements.
Every option, one application
Cash advance, line of credit, term loan, equipment and SBA.
More options. Faster. Less paperwork.
Revenue-based funding noun
Funding based on your business’s sales. A lender provides money up front, and it’s repaid from your revenue over time. One application reaches every lender that fits.
The Process
Built around how hvac companies actually run. A real advisor with you from application to funding.
Step 01 — Apply
Five minutes. No credit check.
Tell us about your HVAC shop
A short application from your phone or the office.
Connect your bank statements
Secure, read-only. Or upload them.
Your advisor takes it from there
No business plan, projections or tax returns.
Works with how hvac companies get paid.
If it lands in your bank account, lenders can see it.
Step 02 — Match
Every lender that fits. At once.
- Your file goes to the lenders that fund hvac companies
- Matched on revenue, time in business and industry
- One no doesn’t end it. You see the other options
Built for hvac companies
Peak season doesn’t wait for paperwork.
When the first 100-degree week arrives, the shops with trucks and techs ready win the calls. Here’s what a typical week can look like.
- Day 0Heat wave forecastTwo vans short, calls piling up
- Day 0Applies with RushFiFive minutes, from the truck
- Day 1Matched with lendersRevenue, not credit score
- Day 2Offers side by sideAdvisor walks through payback
- Day 3Signs with the lenderLender sends the funds
- Day 4Vans and techs on the roadPeak week covered
Still reviewing
On the road
Step 03 — Compare
Every offer, side by side. Pick the best one.
- Amount, total payback and payment, up front
- An advisor walks you through each one
- No obligation to accept anything
Example offers. Real terms come from the lender.
Step 04 — Done
As easy as 1 2 3, Funded.
You sign with the lender you pick, and the lender funds you. That’s it.
Your HVAC shop gets funded. Faster.
Better money next time.
Questions, answered.
Straight answers on cost, credit and how RushFi works for hvac companies.
Can I get funding during my slow season?
Often, yes. Lenders look at your recent deposits, so a quiet month is not an automatic no. Your advisor will show you what fits.
Does customer financing income count as revenue?
Payouts from customer financing programs land in your bank account, so lenders can see them in your statements alongside card and check payments.
Can I use it to buy equipment or trucks?
Yes. You can use a cash advance for equipment, or your advisor may show you equipment financing from the same application.
Will applying affect my credit?
No. RushFi doesn’t run a credit check when you apply. Some lenders may check your credit before making an offer, and they’ll tell you first.
How much can I get?
It depends mostly on your monthly revenue and time in business. Your advisor will show you real offers, not estimates.
How is it repaid?
Usually through small automatic payments from your business bank account. Your offer will show the total payback, the payment and the schedule up front.
Is RushFi a lender?
No. RushFi is a broker. We match you with lenders in our network, and the lender you choose provides the funding.
RushFi doesn’t run a credit check. Lenders may check credit before making an offer. RushFi is a broker, not a lender.