It’s common for HVAC businesses to use merchant cash advances (MCAs) to cover urgent expenses and fund business growth. Unlike traditional bank loans, which can take months, MCAs deliver capital in days.
That speed comes from how MCA providers evaluate applications. Instead of reviewing collateral, real estate, cash reserves, personal credit history, and profit margins, they focus primarily on your business’s revenue.
But not all MCA lenders are as fast as they claim.
Many online lenders advertise same-day or next-day funding while running the same slow internal processes as traditional banks. In practice, it’s not uncommon for funding to take up to a week. We’ve spoken with HVAC contractors who needed to cover same-day payroll, were promised fast funding, and still waited days for their cash advance to close.
If speed matters, don’t take a lender’s word for it — look at the paperwork. The more documents required, the longer it takes to evaluate your application. The fastest lenders typically need just a few months of bank statements.
With that in mind, we ranked 5 MCA providers for HVAC businesses based on how quickly they can fund.
We start with our own offering because we believe we offer the fastest funding and most competitive rates available to HVAC businesses. We’ll show you exactly why, and then cover other providers so you can compare.
Use our automated MCA pricer to pull instant quotes and see what your HVAC business qualifies for.
| Redline Capital | Most Banks | |
|---|---|---|
| Monthly revenue minimum | $30,000 | Varies, often much higher |
| Time in business | 1 year | 2+ years typically |
| Paperwork required | 4 months of bank statements | Tax returns, P&Ls, balance sheets, business plan, and more |
| Funding speed | Same day in most cases | 60–90 days |
| Credit check | Soft check only | Hard pull, near-perfect credit often required |
| Collateral required | No | Often yes |
1. Redline Capital
Same-Day Cash Advances for HVAC Businesses
At Redline Capital, we approve HVAC businesses entirely on their monthly revenue. If your bank deposits average $30,000 or more per month, you can qualify, regardless of your credit score, profit margins, cash reserves, or how your balance sheet looks.
These simple qualification criteria have a direct impact on speed, as the only paperwork we need is a 4-month bank statement confirming your HVAC business’s revenue. It takes less than an hour to verify your revenue, and you can receive the lump sum in your bank account the same day.
You can contrast this with what most MCA lenders ask for, including tax returns, accounts receivable reports, profit-and-loss statements, credit card processing records, and collateral. Because of all that additional underwriting, it often takes them up to a week to fund.
Here’s what that means for your business:
- Easier to qualify. Revenue is the only real bar to clear. HVAC contractors that get turned away by banks routinely qualify with us without issue.
- Faster funding. Most applicants receive offers within 1–2 hours of submitting their bank statements, with funds delivered the same day. In emergency situations, we’ve closed in under four hours.
- Larger advance amounts. Because we don’t cap loan amounts based on collateral or cash reserves, HVAC businesses often qualify for more than they expect. We routinely fund 100% to 200% of monthly revenue.
- No personal risk. We don’t require collateral. Your vehicles, HVAC equipment, and personal assets aren’t on the line.
Here’s what HVAC business owners say about working with us.
Read more: Why Use Revenue-Based Financing Instead of Debt Financing?
How to Apply for an HVAC Business Cash Advance
Applying for a business cash advance for your HVAC business takes less than one minute:
- Plug your numbers into our MCA calculator: Enter your monthly revenue, time in business, and a few basic details to see an estimated advance amount and rate before submitting anything.
- Submit four months of bank statements. This is the only document we ask for in the loan application process. It tells us what we need to know about your revenue.
- We review your bank statements and run a soft credit check. We use your credit history only to help determine the rates you qualify for. It doesn’t affect your eligibility.
- Receive multiple competing offers within the hour. Each offer is laid out clearly: advance amount, factor rate, total repayment, payment frequency (weekly or monthly payments), and loan terms. You see exactly what each option costs before agreeing to anything.
- Choose at your own pace. There’s no deadline to accept or pressure to move fast. We encourage you to compare our HVAC loan options against those of other providers before making a decision.
- Funds arrive the same day. Once you select an offer, the advance is wired directly to your business bank account, typically within hours.
Read more: How to Apply for Revenue-Based Financing
What Sets Redline Capital Apart Beyond Funding Speed
You Secure Lower Rates and More Flexible Repayment Terms
When small business owners apply with us, they get better rates than they would with most MCA lenders. The reason for this comes down to our business model.
We’re a broker who has sent hundreds of millions in loan volume to our lending partners, including OnDeck, Rapid Finance, and Headway Capital. That volume matters to them because it grows their lending business. In exchange, they offer our applicants wholesale pricing, discounted rates, and larger advance amounts that direct applicants simply don’t have access to.
Our relationships with our lending partners also help you secure emergency funding solutions faster. Instead of routing your application through a standard online form, we connect directly with loan officers we know, making a call and moving your request to the front of the line. This has allowed us to fund businesses in under four hours.
Another advantage of applying with us is that we submit your file to multiple lenders at once, giving you multiple financing options to compare. This way, you don’t have to submit multiple applications in order to compare offers, although we do encourage you to shop around as much as possible.
We Have Over a Decade of Experience Funding HVAC Businesses
We always recommend working with an MCA lender with experience in the HVAC industry. That’s because lenders without experience often misread their financial patterns as higher risk and charge higher interest rates.
For example, seasonal cash flow variation is a normal reality for HVAC companies. Revenue surges in summer when air conditioning systems need servicing and in winter when heating demand peaks. During slow seasons in spring and fall, cash flow tightens even for healthy, well-run businesses. Large commercial HVAC jobs also require significant upfront costs for HVAC systems, equipment purchases, and labor before a single invoice goes out.
Without that context, an MCA lender might see your HVAC financing needs as riskier than they actually are and charge higher rates.
At Redline Capital, we’ve been financing HVAC companies for over ten years and understand the intricacies of your business. We won’t penalize you with higher rates for financial patterns that are completely normal in the HVAC industry.
We Never Pressure You to Accept an Offer
One pattern we’ve noticed among MCA lenders is that those who follow up most aggressively tend to have the most expensive offers. They use pressure tactics like bombarding you with calls and creating fake deadlines for a reason. They want you to commit before you’ve compared what they’re offering to what else is out there.
We do the opposite. We send your offers and step back. We actively tell our clients to shop around, get quotes from other lenders, and weigh everything against each other before making a decision. We’re confident our rates hold up under that comparison, and we’d rather earn your business on merit than through pressure.
Secure a Same-Day Cash Advance for Your HVAC Business with Redline Capital
Enter a few details about your business into our pricer and see what you qualify for.
2. Shore Funding Solutions
Shore Funding Solutions is a direct lender that has been funding small businesses since 2014, and on their website, they claim to have worked with over 1,200 HVAC companies.
Their MCA product is structured around a percentage of your future credit card sales rather than fixed payments, which means repayment fluctuates with your revenue. You pay less during slow periods and more when revenue picks up.
Shore Funding Solutions advertises a 90% approval rate and 24 to 48 hour funding in most cases. This makes them a good option for HVAC businesses who need funds fast and want to avoid MCA lenders who drag on for several days.
As a direct lender, however, Shore Funding can only offer you their own rates with no outside competition driving terms down. There’s no lending network working on your behalf and no negotiating leverage built from years of loan volume relationships. The rate they quote is the best they can do independently.
3. Credibly
Credibly is a direct lender offering MCAs up to $600,000, with factor rates starting at 1.11 and an early repayment discount. They also offer access to SBA loans, business lines of credit, equipment financing, and invoice factoring through lending partners, which gives HVAC businesses more product flexibility than a pure MCA lender provides.
To qualify, Credibly requires a minimum 500 credit score, at least six months in business, and $15,000 in monthly revenue. For larger advances above $50,000, they ask for up to six months of bank statements. HVAC businesses with credit scores below 500 won’t qualify regardless of their revenue.
Being a direct lender means Credibly’s rates are their rates. There’s no competitive pressure from other lenders improving what they can offer you.
What’s worth knowing here is that Redline Capital is a lending partner of Credibly’s. HVAC businesses that apply through Redline receive Credibly’s offers as part of a competitive process alongside our other lending partners, and the pricing we secure through that process is consistently better than what Credibly extends to applicants who come directly through their own channels.
4. FundKite
FundKite is a direct lender that can fund advances up to $2 million, which makes them one of the higher-ceiling options for larger HVAC operations. There’s no minimum credit score requirement, and their documentation is slim: four months of business bank statements, similar to Redline. Their minimum threshold is $10,000 in monthly gross deposits and one year in business, which is a lower bar than most providers and makes them a good choice for smaller HVAC companies.
But like the other providers on this list, FundKite is a direct lender. They can’t tap into a network of competing lenders to find you a better deal, and there’s no volume relationship working in your favor behind the scenes. What you see in their offer is what they can do on their own.
5. Biz2Credit
Biz2Credit is a lending platform offering a broad range of products including MCAs, HVAC business loans, business lines of credit, and commercial real estate loans. Funding goes up to $2 million, which puts them within reach of larger HVAC businesses looking for more substantial capital or longer-term financing options beyond a standard cash advance.
The main drawback is documentation. In addition to bank statements, they typically require two years of tax returns, profit-and-loss statements, and credit card processing records. That volume of paperwork takes time to review and underwrite, directly slowing down how quickly you can get funded — regardless of what any headline claims.
Similar to Credibly, Biz2Credit is a direct lender and also one of Redline Capital’s lending partners. Applying through Redline means your file goes to Biz2Credit as part of a multi-lender process, and the rates we return are consistently better than what Biz2Credit offers applicants who come through their front door directly. Our loan volume with them over the past decade earns pricing that individual HVAC businesses can’t access on their own.