HVAC Equipment Financing

Simple application. Simple process.

HVAC equipment financing can help cool your spending.

Top-quality HVAC equipment improves energy efficiency, reduces emissions, and can lower your heating and electric bills. Unfortunately, purchasing a new or upgraded HVAC system for your small business can put you in a difficult financial position because of its high cost. However, Balboa Capital might be able to cool your spending with an affordable HVAC equipment financing program. This option does not require a substantial initial payment that might eliminate your savings. Instead, we provide you with funding to finance HVAC equipment, and you make predictable monthly payments over a specific term.

We keep our application straightforward so you can complete it quickly. Then, if your application is approved and you decide to move forward, one of our helpful equipment financing specialists will contact you to discuss your options and answer any questions you have.

  • Application-only for hard collateral up to $500,000
  • Application-only for soft collateral up to $350,000
  • If approved, same-day funding is available
  • Easy online application
  • One-hour approval decisions during regular business hours
  • Flexible terms available
  • Competitive rates

Equipment financing in 3 easy steps.

balboa capital devices
  1. Submit a simple online application.

  2. Get a prompt decision during our normal business hours.

  3. If your application is approved, funds will be provided fast.

What we look for.

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Minimum of one year in business

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$100,000+ in annual revenue

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FICO® score of 620 or more

These are some of our minimum lending requirements, and meeting them does not constitute approval.
Should you apply for equipment financing, additional lending criteria will determine if you qualify.

Financing for air conditioners, heating systems, rooftop systems, and more.

Heating, ventilation, and air conditioning systems are essential in every business, including yours. In addition to keeping you and your employees comfortable during each season, your HVAC system provides better, cleaner air. As you know, indoor air quality is an essential issue for businesses because of the federal and state HVAC regulations established throughout the country. Once you have decided on an HVAC system for your business, get started with Balboa Capital.

Lastly, contact your accountant or business attorney and ask about the Section 179 tax deduction. Many types of HVAC equipment are eligible for this tax deduction, and your accountant or business attorney can explain it in more detail. They can also tell you if the HVAC equipment you want to finance qualifies for the Section 179 deduction.

hvac equipment financing

Reasons to choose Balboa Capital.

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Bank-owned business lender

Over $8 billion funded nationwide

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Simple, quick process