We speak both sides of the trade.
We work with contractors buying tools, trucks, and fabrication machinery, and with property owners and facility managers replacing whole systems.
Industries we serve
Commercial HVAC Equipment Financing
Commercial HVAC runs on expensive iron. A contractor needs recovery machines, vacuum pumps, a plasma table, and a fleet of stocked vans before the first service call. A building owner facing a failed chiller or a tired rooftop unit is often staring at a six figure replacement that nobody budgeted for, usually in the middle of July.
MissionFund is a veteran owned commercial finance brokerage in Loveland, Colorado. We don't lend our own money. We take one application, compare offers from 60+ lending sources, and help you choose financing for HVAC equipment from $10K to $5MM+, so the job moves forward without draining your cash.
Commercial HVAC Equipment We Help Finance
Whether you install systems, service them, or own the building they sit on, we can help you finance the equipment below.
Rooftop Units
Replace or add packaged RTUs, economizers, and curbs without a big cash outlay.
Air Handling Units
Finance custom and modular AHUs, makeup air units, and energy recovery units.
Chillers and Cooling Towers
Finance air cooled and water cooled chillers, cooling towers, and plant pumps.
Boilers and Hydronic Heating
Finance condensing and steam boilers, hydronic pumps and piping, and water heaters.
VRF and Mini Splits
Finance VRF outdoor units, indoor fan coils, heat recovery systems, and mini splits.
Commercial Refrigeration
Finance walk in coolers and freezers, condensing units, rack systems, and display cases.
Building Automation and Controls
Finance BAS upgrades, smart thermostats, sensors, and energy management software.
Ventilation and Air Quality
Finance exhaust fans, ERVs, air purification, filtration, and humidity control.
Sheet Metal Machinery
Finance plasma tables, coil lines, brakes, shears, seamers, and rollers for duct shops.
Service Tools and Fleet
Finance recovery machines, vacuum pumps, leak detectors, and service vans and trucks.
How Commercial HVAC Equipment Financing Works
Getting options shouldn't take longer than a service call. Here's how it goes:
Apply in minutes.
Fill out one short application. We use a soft credit pull only, so checking your options won't affect your credit score.
We compare 60+ lending sources.
Some lenders like contractor fleets and tools. Others prefer large building system projects with a quote from a mechanical contractor. We know which ones fit your deal and submit your application on your behalf to lenders within our network.
You choose.
We lay out the offers side by side without the jargon, including structure, ownership at the end, and what the lender needs to close.
Get funded.
Once you pick an offer, funding can often finalize with just a driver's license and the equipment invoice or contractor quote. The lender pays the vendor, and your crew gets to work.
Why Commercial HVAC Owners Choose MissionFund
Project costs, not just boxes.
Depending on the lender, financing can cover cranes, rigging, controls, startup, and installation labor on a system replacement.
Seasonal cash flow matters.
HVAC work swings with the weather. We look for structures that keep payments manageable through your slower months.
Soft pull, free to apply.
Comparing offers costs nothing and never triggers a hard inquiry.
One application, many lenders.
Instead of filling out forms at several banks, you apply once and we do the shopping.
Clear answers.
We explain every offer in plain terms so you know exactly what you're signing.
Financing Programs That Fit Commercial HVAC Businesses
Program Equipment Finance Agreement (EFA)
You own the equipment from day one and make fixed payments. It's a natural fit for contractors buying tools, machinery, and vans they plan to run for the long haul.
Program Equipment Loan
A loan that usually carries the strongest incentives for paying off early, though the details depend on the lender. It works well when you expect a big project payment or a utility rebate check to land after installation.
Program Fair Market Value (FMV) Lease
Lower payments, then upgrade, keep leasing, buy at fair market value, or return it. It suits building automation and controls, where technology moves fast.
Program SBA Loans
Government backed loans up to $5MM for larger projects, real estate, acquisitions, and expansion. Consider it for a new shop, a fabrication building, or buying another contractor.
Startups and Growing Businesses
Just left a big mechanical contractor to start your own shop? Equipment financing is available from day one, so a brand new HVAC company can finance a service van, a recovery machine, and a set of gauges before landing its first commercial account.
Once you've been in business at least a year, working capital can help you cover payroll and materials while you wait on progress payments, and a business line of credit lets you draw what you need, when you need it, for surprise equipment orders. For bigger moves like a new shop or an acquisition, SBA loans can support projects up to $5MM.
What You'll Need to Apply
Requests under $150K can often be approved on the application alone. That covers most service vans, tool packages, and single rooftop unit replacements.
For larger requests, such as a chiller plant, a full building retrofit, or a coil line, financial statements can strengthen the deal and support a bigger amount. When it's time to fund, many deals finalize with just a driver's license and the equipment invoice or contractor quote. Have questions first? Book a call or visit our FAQ.
Frequently Asked Questions
Still have a question?
Talk to a real person. We're happy to walk you through your options.
Can a building owner finance an HVAC replacement, or is this only for contractors?
Both. Building owners, property managers, and businesses that occupy their own space can finance rooftop units, chillers, boilers, and controls. Contractors can finance the tools, machinery, and vehicles they use to install and service those systems.
Can financing cover installation, not just the equipment?
Often, yes. Depending on the lender, financing can include installation labor, crane and rigging costs, controls integration, and startup. Bring your contractor's full quote and we'll look for lenders that cover the whole project.
My rooftop unit just failed. How fast can I get options?
You can apply in minutes, and we submit your application to lenders within our network. Smaller requests can often be approved on the application alone, which helps when a building is without heat or cooling and you need to place an order quickly.
Does applying affect my credit?
No. We use a soft credit pull only, which doesn't affect your credit score. Applying is free, and submitting the application authorizes us to send it to lenders on your behalf.
Can I finance used HVAC equipment or fabrication machinery?
Many lenders finance used equipment, especially sheet metal machinery, plasma tables, and service vehicles bought from a reputable seller. Lender appetite varies with the age and condition of the equipment, so share the details and we'll match you with the right sources.
Do energy efficient systems qualify for tax benefits?
Some equipment may qualify for Section 179 deductions, and some high efficiency systems may also be eligible for utility rebates. Rules change, so check with your tax professional before you count on any benefit.
Get started
See what your business qualifies for.
Applying is free, takes just a few minutes, and uses a soft credit pull only.
Prefer to talk first? Book a call