Heating, Ventilation, & Air Conditioning (HVAC) Equipment

Sell more HVAC equipment. Faster.

HVAC Finance Expertise Matters

man installing hvac system in ceiling

Sell more HVAC equipment—fast—and without the high upfront cost with TimePayment financial programs

Whether your operation is a local distributor or a national online retailer, TimePayment makes your solutions easier to buy. With innovative tools that easily integrate into your website and sales process, we can help your customers see a simple monthly payment, confidently take action and you can sell more…faster.

They say no one argues about the price when the furnace stops working. They’re wrong. Competition is stronger than ever, and your solutions must be affordable. Customers rarely plan on replacing HVAC hardware outside of the equipment failure, so gone are the days when you could just ignore the financing aspect and still maximize your sales opportunities.

When you work with TimePayment to offer customer financing for heating, cooling, and ventilation equipment, they can get a credit decision within seconds and funding ready in a few hours. This gives you the power to get their property’s most important systems back up and running before a minor hiccup turns into a major crisis.

Typical Comments We Hear From the HVAC Equipment Industry:

“There are a ton of people that say they finance the business. But they just want the paper. They don’t know the business, and that’s why we leave the financing up to our customers.”

“We don’t want to get involved in our customer’s credit or ask for their personal information. We prefer that the finance company handle all of that.”

“We have commercial programs and retail programs. But the limitations and the rules are crazy…most of our sales team thinks the financing is more trouble than it’s worth. One of my guys carries credit card applications from his bank to hand to clients.”

TimePayment has trained reps that understand the HVAC industry. With a simple online application and fast approvals, we help vendors and contractors to offer financing to their customers and make it as easy as possible for you to use our services.

Heated Competition in a Growing Industry

Auto Industry Market chart

  • There over 114,000 HVAC companies are the U.S.
  • The growth of the HVAC sector connects to new home and commercial construction.
  • Consecutive years of double-digit growth in sales since 2007.
  • It is expected to grow faster than the gross national product (GDP) for the foreseeable future.

No matter what HVAC equipment you sell, let TimePayment help you grow by offering an easy application and approval process with no fees and same day funding. If you are an HVAC equipment manufacturer or provider, learn more about our Vendor and Broker Programs.

Get Started


man repairing HVAC system in a ceiling

Heated Competition in a Growing Industry

Whether your operation is a local dealer or a national online distributor, TimePayment makes your solutions easier to buy. With innovative tools that easily integrate into your website and sales process, we can help your customers see a simple monthly payment, confidently take action and you can sell more…faster.

Apply Today!


Why Choose TimePayment?

Committed to Financing for the HVAC Industry
In an environment where finance companies shy away from many HVAC businesses, TimePayment has a long-time commitment to the industry

Never let time kill your deal again
From credit decisions in seconds to fast funding, we give you the tools to quickly turn shoppers into buyers and get the deal off the street.

Easier to Sell
Whether an online quote tool or marketing support, TimePayment gives your sales team the education, resources and innovative technology tools to close deals.

Reaching beyond the hardware
TimePayment offers turn-key financing starting at $500 for radiators to pellet stoves and just about anything in between. Additionally, by providing financing for installation, delivery, design and even assets beyond what your company sells, you can make it easier for your customers to choose your company over the competition.

Help more potential customers
From business startups to decades-old companies with strong credit backgrounds to individuals that have had more challenging times, TimePayment can help a wide range of business and ownership backgrounds

Let them keep their cash
TimePayment financing allows customers to preserve their cash and primary banking relationships. By lessening the cash required to make a deal happen, you remove the largest obstacle to closing more business.

Are customer financial limitations standing in the way of your sales growth?
If you sell HVAC equipment, learn more about our Vendor Program or fill out this brief contact form to talk to a TimePayment industry specialist today.

Become a Vendor

Equipment Financed

  • Heating Equipment
  • Boilers
  • Oil & Gas Furnaces
  • Infrared Heaters
  • Radiant Heat Systems
  • Steam & Hot Water Heaters
  • Registers & Radiators
  • Heat Pumps
  • Direct Vent Furnaces
  • Floor Heaters
  • Duct Furnaces
  • Pellet Stoves
    • In addition to HVAC, we finance refrigeration (see our separate refrigeration industry section), generators, water heaters, and related equipment.
  • Air Conditioning Equipment
  • Rooftop Cooling Units
  • Window Unit A/Cs
  • Split Systems
  • Central Air Systems
  • Water-Cooled Chillers
  • Packaged Air Conditioners
  • Whole-House Systems
  • Energy Star Appliances
  • Grounded Unit Coolers
  • Ventilation Equipment & Tools
  • Turbine Ventilators
  • Air Exchangers
  • Exhaust Pumps
  • Range Hoods & Wall Hoods
  • Roof Ventilators
  • Exhaust Fans
  • Restaurant Exhaust Hoods
  • Evaporative Coolers
  • Heat Recovery Ventilators
  • Air Duct Cleaning Systems
    • Complete HVAC Equipment Finance Product Line

Are customer financial issues standing in the way of your sales growth? Join our vendor program today.

Offer Financing