Sized for seasonality
We underwrite the whole year's rhythm, so a quiet April doesn't sink the file.
HVAC Files
Ready when the heat wave hits.
Trucks, techs, and a warehouse of parts — all paid for before the season pays your merchant. Advances sized for the swing.
The Squeeze
The calls you get.
- Peak season needs three more techs and two more trucks — in May, not July
- Parts and equipment tie up cash months before installs collect
- Shoulder seasons sag while overhead stays flat
- Maintenance-contract revenue lags the payroll that services it
✅
Every one of those is a file we've funded. Send it before the window closes.
FundedAPPROVED IN 41 MIN
Funded amount$95,000
BusinessHVAC — residential, FL
Term26 wks
Buy rate1.38
Debit scheduleWeekly
✓
Received✓
Approved✓
Contract sent✓
Contract signed✓
FundedHow Mint Funds HVAC
Underwriting that speaks the trade.
Fast enough for the forecast
Heat wave next week? A one-hour decision means your merchant staffs up before the phones melt.
Fleet & equipment ready
Trucks, compressors, and inventory — without waiting on equipment-finance committees.
HVAC Questions
Asked by ISOs this week.
Half the revenue is service contracts billed monthly. Does that count?
Absolutely — recurring service revenue reads as stability, and it strengthens the file.
Can they fund before the busy season starts?
That's the smart play. We size against last year's season plus current bookings.
One hour. Real answer. Your move.
Submit the file now or send the package straight to deals@mintfunding.com.
Prefer to talk it through? Call, text, or WhatsApp 347-797-1800 — a real person picks up.