Advantages of Offering HVAC Financing with Lendigo

By using Lendigo’s multi-lender POS financing platform, HVAC contractors can deliver more value to their clients while accelerating business growth. Key benefits include:

Flexible Alternatives to Traditional HVAC Loans

Traditional bank financing isn’t always accessible for every client. With Lendigo, you can connect customers to a variety of alternative lending solutions, including:

  • Low-interest installment loans
  • Revolving lines of credit
  • Buy Now, Pay Later (BNPL) plans
  • Personal and direct-to-consumer loans
  • Lease-to-own arrangements
  • Split-payment options

These diverse offerings allow you to serve more customers with flexible payment plans that fit their financial situations.

Stay Ahead with Flexible HVAC Financing

Today’s customers increasingly expect convenient, budget-friendly payment options. By integrating Lendigo’s POS financing platform, your business can meet this demand and stand out from the competition.

Offering alternative financing demonstrates innovation, increases trust, and positions your company as a modern, customer-focused leader in the HVAC industry—ultimately driving more conversions and long-term loyalty.

Smarter Cash Flow with Milestone-Based Funding

Lendigo’s stage funding feature ensures you receive payments at key points throughout your HVAC project. Whether you need to purchase equipment, cover labor costs, or manage material expenses, funds are disbursed as each phase is completed.

This phased financing model helps maintain steady cash flow, reduces financial strain, and allows your team to operate efficiently without upfront capital challenges.

Drive More Revenue with Flexible Financing

When customers have access to affordable monthly payments, they’re more likely to move forward with HVAC upgrades. Lendigo’s POS financing lowers financial barriers, enabling more clients to commit to higher-value projects.

This results in a greater volume of jobs and an increase in average ticket size, boosting your business’s overall revenue potential.

Attract More Clients with Built-In Financing

Offering point-of-sale financing through Lendigo gives your customers flexible payment options that align with their financial needs. This convenience makes your HVAC business more appealing to clients who may not be ready to pay in full upfront.

By removing cost as a barrier, you position yourself ahead of competitors who don’t offer financing, boosting your client acquisition and helping you close more deals.

Customer Satisfaction

Moreover, your clients don’t have to worry about saving up the funds for HVAC services. With the ease of paying in increments over time, your in-house POS options can alleviate your client’s financial stress.

Ultimately, this translates to improved customer satisfaction and client relations.

Plan Smarter with Our Customer Calculator

Take the guesswork out of financing! Use our calculator to explore personalized loan estimates tailored to your customers' needs. Understand potential terms, payments, and APRs in seconds—and empower yourself to make confident decisions.

Your Estimated Loan Details in Seconds

Below are the estimated terms based on the information you provided. These results include potential monthly payments, APR, and loan terms, giving you a clear picture of what to expect when applying for a loan.

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Accessory Dwelling Units (ADUs)
HVAC Systems
Plumbing & Water Treatment
Windows, Doors & Flooring
Roofing & Solar Installations
Pool, Spa & Landscaping
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Pest Control & Mobile Home Repairs
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HVAC Services Eligible for Contractor Financing

HVAC contractors can increase close rates and average ticket sizes by offering financing options for services such as:

  • New heating and cooling system installations
  • AC and furnace replacements
  • Ductwork repairs and upgrades
  • Smart thermostat and control system installations
  • Seasonal maintenance packages
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Why Lendigo?

Curious why Lendigo is the ideal POS financing solution for your business? Here’s what sets us apart:

We know HVAC professionals are busy managing multiple projects—that’s why Lendigo’s onboarding process is fast, simple, and hassle-free. You can start offering financing in no time, with minimal disruption to your workflow.
Lendigo uses an intelligent waterfall algorithm to maximize approval chances. If a client isn’t matched with the first lender in the network, their application is automatically routed to the next eligible provider, continuing until a suitable financing option is found. This multi-lender approach ensures more of your customers get approved for HVAC financing without added delays or effort.
Not every customer has perfect credit—and that’s okay. Lendigo’s lender network includes partners that serve a full range of credit tiers, from super-prime to subprime. This inclusive approach gives more of your HVAC clients the opportunity to qualify for financing, regardless of their credit history.
Lendigo’s streamlined application process delivers instant results directly on-screen, allowing your HVAC clients to receive financing decisions within minutes. This quick, user-friendly experience means fewer delays—and you can start projects sooner, with confidence.
Lendigo, in collaboration with our lending partners, equips your business with a complete in-house HVAC financing solution. If your company lacks the resources to handle loan processing, underwriting, or funding, we’ve got you covered. Our lenders manage all the details—from paperwork and late payments to credit risk—so you can focus on growing your business.
HVAC projects often involve adjustments, whether due to unforeseen technical challenges or client-requested modifications. Our change order feature ensures seamless adaptation, allowing you to update financing agreements as project requirements evolve. This flexibility helps you stay on schedule, control costs, and enhance client satisfaction—all while keeping your operations efficient and uninterrupted.