The AC quits on the hottest day of the year, the furnace goes out during the first hard freeze, or a homeowner finally decides to replace the 20-year-old system that's been running on borrowed time, but your estimate lands well past what's in the homeowner’s checking account. That's the moment when offering HVAC contractor financing helps turn service calls into closed deals.
Finturf is the all-in-one contractor financing tool built specifically for home service professionals. Through one request, HVAC contractors access the nation’s largest home improvement financing network with 92%+ approval rates, repayment terms up to 240 months, and options across a broad range of credit profiles.
Very few homeowners plan for a complete HVAC replacement. Most buying decisions happen after a technician diagnoses a failed system and sits down with the homeowner to discuss their options. At that kitchen table, the conversation quickly shifts from equipment to affordability.
That's when HVAC financing becomes one of the most important sales tools. It reframes the discussion from total price to manageable monthly payments. The homeowner’s mental math shifts to, "Oh, I can afford $215 per month?"
That shift is everything. Framed as a monthly payment, the better equipment, zoning, and IAQ upgrades stop being sticker shock and start being a menu the homeowner actually gets to choose from.
Very few homeowners plan for a complete HVAC replacement. Most buying decisions happen after a technician diagnoses a failed system and sits down with the homeowner to discuss their options. At that kitchen table, the conversation quickly shifts from equipment to affordability.
Generic financing tools weren't built for a compressor failure at 4 p.m. on a Friday. Finturf’s HVAC customer financing workflows were.
Stop bouncing between lender portals during a busy sales day. Manage financing requests, approvals, change orders, and funding across your lending network from one login. Your team learns one workflow instead of juggling a different process for every lender.
Present side-by-side monthly payment options at the kitchen table, so homeowners can compare terms and choose the plan that works for their budget.
Know what's actually happening after your team presents financing. Track approval rates, pull-through, close rates, and financing performance across your sales channels to see what's working and where your strategy can improve.
Don't let a homeowner's credit profile decide whether you win the job. One financing request connects to the nation’s largest home services financing network with options across the full credit spectrum.
Already have lender relationships you want to keep? Bring them with you. Access existing lenders and rate sheets, including same-as-direct pricing, while keeping control over which financing options your team presents to homeowners.
Finturf is a proud Platinum Strategic Partner of the Air Conditioning Contractors of America (ACCA). We proudly support ACCA’s mission to advance professionalism, technical excellence, and business success throughout the HVAC industry. And that's why we built Maximus.
Exclusively for ACCA members, Maximus is a financing tool built around the way HVAC sales actually happen: the in-home close, side-by-side payment options laid out at the kitchen table, and the change order when the old system comes out and the job grows.
Most financing tools were designed for retail checkouts and adapted afterward. Maximus started with the HVAC sales cycle and worked backward.
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HVAC contractor financing lets you offer payment options to homeowners on a service call, during a replacement estimate, or at a maintenance visit. Instead of paying the full project cost upfront, the homeowner can request financing, get a real-time decision from our network, and pay for the project over time.
The lender funds you directly, usually within a few business days of the customer verifying the work is complete. You don't wait on the customer's monthly payments. The lender takes on collecting those.
It depends on the offer. Standard-rate loans often carry little to no dealer fee. Promotional financing like deferred interest, zero-percent, and reduced-rate typically comes with a dealer fee you cover in exchange for the more attractive terms you can put in front of the customer. You can set your dealer fee tolerance levels and we’ll work within those to surface offers for your homeowners.
Most financing requests return a decision in minutes. The customer fills out the form from their phone or your device. Our technology routes it through our financing network, so you usually know where you stand before you've packed up your tools.
The full range of residential and light commercial work: full-system replacements, heat pump conversions, condenser and air handler swaps, ductwork, zoning, indoor air quality add-ons, and maintenance agreements. If it's part of the job, it can generally be included in the financing.
Licensing requirements for offering contractor financing vary by state. In some states, contractors may need a specific license or registration to offer financing to homeowners. Check your state’s requirements before offering financing.
The network spans the full credit spectrum, from prime customers down to thin-file and subprime. Because multiple partners can review each financing request, a customer one lender declines may get approved by another.
