August Funding Special

Business Funding for HVAC Companies — August Funding SpecialWhen Your Bank Can't Help — We Can!Running an HVAC company means juggling seasonal cash flow swings, equipment costs, and the constant need to keep crews staffed and trucks rolling — especially during peak season when demand spikes and every missed job is lost revenue. That's exactly why Island Preferred, Inc.,  an Independent Brokerage for  David Allen Capital, Inc. and Bank Breezy, is running an August Funding Special built specifically for HVAC companies that need capital fast and can't always wait on a traditional bank.

Why Revenue-Based Funding Makes Sense for HVAC Businesses

Traditional bank loans weren't designed with seasonal, project-based businesses like HVAC in mind. They lean heavily on personal credit history and lengthy underwriting timelines — and often leave qualified, growing HVAC companies waiting weeks for an answer they may not even get.

Revenue-based funding flips that model. Instead of focusing primarily on your credit score, approval is based mostly on your monthly sales and active jobs — meaning a strong revenue month can unlock funding even if your credit isn't perfect. That's a game-changer for HVAC owners who are consistently busy but haven't had the time (or reason) to build a flawless credit profile.

What This Funding Can Help HVAC Companies Do:

• Purchase tools or heavy equipment — upgrade trucks, compressors, or diagnostic tools without draining cash reserves
• Stock parts and units ahead of peak season — so you're never caught short when demand surges
• Hire and train new technicians or stand up another crew — scale capacity to match demand
• Take on larger contracts or bids — compete for bigger jobs you might otherwise pass on
• Cover payroll between projects — smooth out the natural cash flow gaps of project-based work
• Or fund any other business need — the capital is flexible, not restricted to a single use case

How the Program Works

• $15,000+ in monthly revenue
• 550+ personal FICO score
• 6 months in business

• Less than 1 year in business: ~50% of monthly revenue (e.g., $100K/mo in sales → $50K funding)
• 1–2 years in business: ~1x monthly revenue (e.g., $100K/mo in sales → $100K funding)
• 2+ years in business: ~1–2x monthly revenue (e.g., $200K/mo in sales → $400K funding)

• 2+ years in business: 1.15x–1.25x funded amount (e.g., receive $100,000, repay $115,000–$125,000)
• Less than 2 years in business: 1.26x–1.49x funded amount (e.g., receive $10,000, repay $12,600–$14,900)

The real question every HVAC owner should ask is: do the benefits outweigh the costs? If a $50,000 investment in a new crew or equipment lets you say "yes" to jobs you'd otherwise turn down, the return on that capital can far exceed the repayment cost.

One Application, Multiple Offers

Here's what makes this program stand out: one application = your best offer from top providers. Rather than shopping your business around to multiple lenders and hurting your credit with repeated hard pulls, you apply once, see offers from the top funding providers, and choose the path that fits your business best. Decisions — and funding — often happen the same day or next day.

Higher Approvals. Lower Repayment Costs. Larger Prepayment Discounts.

This August Special is designed to give HVAC companies real leverage: higher approval odds, lower repayment costs, and bigger discounts for paying early — a combination that's hard to find through conventional bank financing.

Ready to Grow Your HVAC Business?

Don't let a slow bank process cost you the busy season. Apply once, get your best offer, and put working capital to work in your business — often within 24 hours.

 www.topbizfinance.com  - Certified Broker: Bill Schall — 631-838-7790

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