Commercial HVAC Financing

Finance chillers, rooftop units, and boilers — planned replacements or a July failure — with rebates and efficiency savings built into the structure. Representative example: a $350,000 HVAC system runs about $6,700/month.*

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The HVAC system Reality

Nobody plans an HVAC purchase. A chiller fails in July, the property is full, and a decision that deserved a quarter gets made in a day — usually in cash, at whatever the first available contractor quotes. Planned or not, the replacement carries two offsets worth capturing: utility rebates that expire, and an efficiency delta that shows up on every bill afterward. We finance both versions, and the schedule can be sized against the savings the new equipment produces.

Built for This Asset

Structures priced by people who know what a HVAC system earns and how it holds value — not a generic credit box.

Hospitality Expertise

Part of our Hospitality vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Chillers, air-cooled and water-cooled
Rooftop units and packaged systems
Boilers, water heaters, and heat exchangers
VRF, split, and PTAC systems for guestrooms
Building automation, controls, and sensors
Emergency replacement, rigging, and crane work

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

Learn more about financing structures

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Can an emergency replacement be financed after it is already installed?

Often, yes. Equipment bought and paid for in a hurry can be refinanced into a schedule afterward, which puts the cash back on your balance sheet where it was before the unit failed. See sale-leaseback.

How do utility rebates fit into the financing?

Rebates usually arrive after commissioning, so the structure can anticipate them — sized for the rebate to reduce the balance when it lands, rather than leaving it unbudgeted in the middle of a project.

Can I finance a used HVAC system?

Yes — used HVAC system financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does an HVAC system qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can commercial HVAC financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

Ready to finance your HVAC system?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

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