HVAC SBA 7(a) LOANS
Key Benefits of SBA 7(a) Loans for HVAC Businesses
Offering flexible financing options tailored to the specific needs of HVAC businesses, SBA 7(a) loans enable investment in equipment, vehicles, and service expansion. With competitive interest rates and extended repayment terms, these loans enhance cash flow while facilitating business growth.
Extended Repayment Terms
Choose repayment terms of up to 10 years for general business needs or up to 25 years for real estate purchases. Loans under 15 years come with no prepayment penalties, while longer loans have penalties for the first three years — 5% in the first year, 3% in the second, and 1% in the third. After three years, you can repay penalty-free.
Competitive Interest Rates
Enjoy competitive interest rates with SBA 7(a) loans, reducing your financing costs. A government guarantee lowers risk, allowing us to provide better rates compared to traditional lenders.
Lower Upfront Costs
The government guaranty enables small business owners to secure financing with lower down payments compared to traditional business loans, typically up to 20% of the total project cost, and sometimes as low as 0%.
Versatile Use of Funds
From purchasing new HVAC equipment to upgrading fleet vehicles or refinancing debt, SBA 7(a) loans address a variety of business needs.
What Can SBA 7(a) Do for Your HVAC Business?
Our SBA 7(a) loans empower HVAC businesses to invest strategically in growth, innovation, and operational stability.
Fleet and Equipment Upgrades
Purchase or upgrade vehicles and tools essential for efficient HVAC service delivery.
Service Expansion
Expand your business to new service areas or add new offerings like energy efficiency consultations.
Real Estate Acquisition
Invest in a new location or refinance an existing property to support your business’s growth.
Working Capital
Maintain smooth operations by covering day-to-day expenses such as payroll, inventory, and marketing campaigns.
Debt Refinancing
Consolidate high-interest debts into a single loan with more favorable terms, improving cash flow.
Solutions for Every Stage of Your HVAC Business
Our SBA 7(a) loans are designed to support HVAC professionals throughout their careers, whether you're starting a business, scaling operations, or preparing for a transition.