Best consumer financing providers for HVAC contractors
7 consumer financing providers serve HVAC contractors; 3 name HVAC explicitly and the rest serve all trades. The editor's pick is Wisetack. One publishes a starting price: $125 a month. 1 integrates with Jobber, 1 integrates with Housecall Pro and 1 integrates with Workiz.
Replacement tickets run $8k to $14k and repairs $300 to $800, so one booked install covers a month of agency fees. Demand peaks in the first heat wave and the first cold snap; the shoulder months are when lead volume is bought.
Tools 7editor's picks, then built for the trade, then published prices
3.9% flat merchant fee; 5.5% on 24-month 0% promos; $500-$25k loans; 17+ FSM integrations
Point-of-sale lending strong in solar and efficiency upgrades
Dealer-based home improvement lending; Truist subsidiary
Card-based consumer financing widely used by HVAC dealers
$1,499/yr Essentials plus $99 setup; multi-lender marketplace; no dealer fees
Dealer fee quoted per merchant; owned by InterVest since 2022
Dealer fees 0.99%-15%; owned by Sixth Street-led consortium since 2024
How this list is built. Every listing names HVAC or all trades as a market and sits in the consumer financing category. Order is editor's pick, then explicit trade coverage, then a published price, then name. Nobody pays to appear or to rank. The publisher's own product is labelled and gets no adjustment. Full methodology.