Multi-Lender Financing Built for HVAC Contractors11>1.
11 Lenders.
1 Consumer Application.
1 Performance Dashboard.
Say Goodbye to Your Single Lender Pain.
The Pain
Declines are BAD for business.
Declines cost you:
Customers and Revenue
One Lender = One Answer.
Your customers span the credit spectrum, so why cater to just prime customers? This alienates customers and leaves revenue at the kitchen table.
The Customer Experience
Have you ever been declined? It's rough. Embarrassing.
Having a merchant deliver the decline or play the ‘whack-a-mole, let's try this lender now’ game is not a recipe for five-star reviews.
Time and Money
Your leads, dispatch team, and service calls all cost you time and money.
Not being able to close every customer increases your cost per lead and cost per customer and costs you the next five-star review and referral source.
For HVAC contractors · 2 minutes
What are declined applications costing your HVAC company?
Enter your job size, estimates, close rate, approval rate and margin. See the jobs, revenue and profit a single lender's "no" takes off the table each month.
Approval rate
Example monthly gap
$33.1K to $38.6K
Example inputs. Estimates only; approval is never guaranteed.
Free. Headline result shows instantly.
Approval rate
Example monthly gap
$33.1K to $38.6K
Example inputs. Estimates only; approval is never guaranteed.
Representative HVAC financing options
From True 0% to HELOCs and LTOs: Experience the power of the Better Financing waterfall.
Product options drawn from the current lender programs. These are representative product examples, not case studies. Terms, approvals and fees vary by product, applicant and state, and are disclosed at time of application.
True 0% APR Promotional
- True 0% APR — not deferred interest
- Multiple promotional terms
- Zero interest to the homeowner
Standard Installment
- Risk-based APR by credit profile
- Multiple term lengths
- Soft-pull pre-qualification
- Real-time lender routing
Lease-to-Own
- No minimum credit score on qualifying installs
- Covers HVAC and water heater combos
- Routed automatically after a decline
HELOC
- Up to $750,000 for qualifying homeowners
- Currently TX, PA and FL
- More states in progress
How HVAC Financing Works
Application
One mobile-first application, under 3 minutes, soft credit pull.
Waterfall routes it
The application moves through the lender stack to the best-fit lender in real time.
Customer gets their offer
They see the best available offer for their credit profile — not a single lender's answer.
Merchant gets paid
Funding settles through the lender, tracked in one dashboard alongside every other application.
NO ANNUAL PLATFORM FEE.
NO ACCESS FEE. EVER.
Transaction-level rates and fees vary by product and are disclosed at time of application.
Free playbook · 2026 edition
Selling with Financing: The HVAC Playbook
- Word-for-word scripts your team can say at the next kitchen table
- Answers for "I got turned down before" and "let me think about it"
- A 30-day rollout plan and a weekly scorecard
17 pages · PDF · sent to your inbox
HVAC Financing FAQ
Can homeowners finance a same-day HVAC replacement?
Yes. A dead system in July doesn't wait for underwriting, and neither should your financing. Applications route through the waterfall in real time, with decisions fast enough to close the sale before the homeowner calls a competitor.
What if the homeowner doesn't have great credit?
One lender's "no" isn't the end of the conversation. The waterfall covers the full credit spectrum, including lease-to-own options with no minimum credit score for qualifying HVAC and water heater installs.
Are there 0% APR options for HVAC financing?
Yes — true 0% APR, not deferred interest. Zero interest to the homeowner for the full promotional term, available across multiple term lengths.
Do I need to manage multiple lender relationships myself?
No. One dashboard manages every application, every lender, and every merchant setting — that's the entire point of the waterfall.
Is there a yearly fee to offer HVAC financing to my customers?
No annual platform fee, no access fee, ever. Transaction-level rates and fees vary by product and are disclosed at time of application.
Is lease-to-own available for HVAC systems?
Yes, including combo options covering HVAC and water heater installs together, with no minimum credit score required.
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