COMMERCIAL HVAC
Commercial HVAC financing and equipment leasing
Finance the rooftop units, chillers, boilers and heat pumps for your own building, with the crane, controls and installation in the same amount. HVAC contractors can finance their service vans, tools and recovery equipment here too. This is business financing only, not consumer financing for homeowners.
Who commercial HVAC financing is for
This is business equipment financing with a $10,000 minimum. Two kinds of customers use it.
Businesses financing HVAC for their own building
Rooftop units on a retail center, a chiller at a manufacturing plant, boilers in an office building, make-up air for a restaurant kitchen, or cooling for a distribution center or lab. The financing covers the equipment and its installation, whether you own the building or lease it.
HVAC and mechanical contractors
A contracting company financing its own service vans, box trucks, recovery machines, vacuum pumps, sheet metal tools and shop equipment, in the company's name. More trucks and tools means more crews in the field.
Not homeowners
We do not finance a furnace or air conditioner for a home. ACG finances businesses only. If you are a homeowner, ask your HVAC contractor about consumer financing.
What we finance
New or used, from any vendor, dealer or auction. Named manufacturers are examples of what this covers, not a limit — if what you need is not on this list, ask.
- Packaged rooftop units and split systems
- VRF and VRV systems
- Commercial heat pumps and R-454B equipment
- Air-cooled and water-cooled chillers
- Boilers, hydronics and pumps
- Air handlers, DOAS and energy recovery
- Ductless mini-splits and fan coils
- Building automation, controls and sensors
- Service vans, box trucks and crane trucks
- Recovery machines, vacuum pumps and gauges
Why lease it
01
Replacement is not optional, timing is
Equipment fails on its own schedule. Financing turns an unplanned capital event into a payment that fits the budget you already have.
02
Efficiency pays while you pay
New equipment costs less to run than what it replaced. That reduction begins immediately and runs alongside the lease rather than after it.
03
Contractors finance capacity
For a mechanical contractor the equipment is the truck, the tools and the recovery gear. More of those is more crews, and more crews is more revenue.
Financing by HVAC equipment type
Rooftop unit financing
Packaged rooftop units and split systems, with the curb adapters, crane lift, electrical and controls that go with a changeout. Several units across one roof, or across several locations, can go on one agreement. Contractors who set their own units can finance the boom truck too; see crane financing.
Chiller and boiler financing
Air-cooled and water-cooled chillers, cooling towers, boilers, pumps and hydronic piping for plants, campuses, labs and larger buildings. These are often the largest single line in a building's capital plan, and the installation and soft costs can be included in the amount financed.
Heat pumps, VRF and refrigerant changeovers
Commercial heat pumps, VRF and VRV systems, ductless mini-splits and R-454B equipment, plus the recovery machines, vacuum pumps and gauges a contractor needs to install and service them.
Distribution centers, warehouses and manufacturing
Rooftop units, make-up air and destratification fans across a large footprint, financed as one project. For the racking, conveyors and lift trucks inside the building, see warehouse equipment financing, and for the production floor, manufacturing equipment financing.
Data center and process cooling
CRAC and CRAH units, in-row cooling and the chillers behind them, financed alongside the racks and power equipment they serve. More on data center equipment leasing and commercial refrigeration financing.
HVAC contractor vans, trucks and tools
Service vans, box trucks, recovery machines, vacuum pumps and shop tooling, financed in the contracting company's name. Duct cleaning firms have their own page: duct cleaning equipment financing.
What sets the payment on an HVAC project
Four things decide the monthly number. To see a range before you talk to anyone, use the equipment lease calculator.
The whole installed cost
The equipment plus freight, the crane lift, curbs, electrical, controls, removal of the old unit and the contractor's installation. Including the soft costs makes the amount larger but keeps that cash in the business.
The term
Usually 24 to 60 months. A longer term lowers the payment. Many building owners match the term to how long the business expects to stay in the building.
The end-of-term option
A fair market value lease has a lower payment and lets you return or upgrade. A $1 buyout lease or an equipment finance agreement costs more each month, and you own the equipment at the end.
The business behind it
Time in business, credit history and the size of the transaction. Up to $150,000 is usually decided on a one-page application without financial statements.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Commercial HVAC financing questions
Can I finance commercial HVAC equipment?
Yes. Packaged rooftop units, split systems, VRF, chillers, boilers, air handlers and DOAS are financed new or used, and the crane, rigging and installation labor go into the same amount financed.
Can a building owner finance a rooftop unit replacement?
Yes. A replacement is financed as a project, covering the unit, curb adapter, crane, electrical and controls, so an emergency changeout does not have to come out of operating cash in one week.
Do you offer commercial HVAC leasing for warehouses, labs and manufacturing plants?
Yes. Distribution centers, warehouses, laboratories, manufacturing plants, offices, restaurants and retail buildings all finance HVAC the same way. The amount financed can cover the equipment, the crane, the controls and the installation, so the whole project is one payment.
Is it better to lease or buy commercial HVAC equipment?
It depends on how long the system will serve you. A rooftop unit or chiller in a building you expect to occupy for many years usually suits a $1 buyout lease or an equipment finance agreement, which you own at the end. A business on a shorter lease of its space may prefer a fair market value lease with a lower payment. Your accountant should confirm the tax treatment.
Can an HVAC contractor finance service vans and tools?
Yes. Service vans, box trucks, crane trucks, recovery equipment and shop tooling are financed on their own schedule, so a contractor can add a truck without touching the line of credit.
Do you offer HVAC business loans?
We offer equipment financing rather than working capital loans. The financing is tied to the equipment, vans or tools being bought, transactions start at $10,000, and up to $150,000 is usually decided on a one-page application without financial statements. Quotes usually come back the same business day.
Do you finance HVAC systems for homeowners?
No. American Capital Group finances businesses only. A homeowner replacing a furnace or air conditioner at home should ask the installing contractor about consumer financing. An HVAC contractor buying equipment for its own business is welcome to apply.
Do you finance R-454B and heat pump changeovers?
Yes. Commercial heat pumps and R-454B equipment are financed along with the recovery machines, vacuum pumps and gauges a contractor needs for the refrigerant transition.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.