Finance chillers, rooftop units, boilers, VRF systems, and complete commercial HVAC installations. PACE financing available with no credit score requirement. Payments from $580/month.
| Equipment | Avg. Cost | 48-Month | 60-Month | 72-Month | 84-Month |
|---|---|---|---|---|---|
| Packaged Rooftop Unit (5 ton) | $12,000 | $287/mo | $238/mo | — | — |
| Packaged Rooftop Unit (10 ton) | $28,000 | $669/mo | $554/mo | — | — |
| Rooftop Unit Package (20 ton) | $55,000 | $1,316/mo | $1,089/mo | $943/mo | — |
| VRF System (5,000 sq ft) | $95,000 | $2,271/mo | $1,881/mo | $1,629/mo | $1,480/mo |
| Chiller (50 ton air-cooled) | $130,000 | $3,109/mo | $2,574/mo | $2,229/mo | $2,025/mo |
| Commercial Boiler System | $85,000 | $2,031/mo | $1,683/mo | $1,457/mo | $1,324/mo |
| Chiller (200 ton water-cooled) | $350,000 | — | $6,930/mo | $6,001/mo | $5,453/mo |
| Complete Building HVAC (10,000 sqft) | $175,000 | — | $3,465/mo | $3,001/mo | $2,727/mo |
| Industrial Process Chiller | $500,000 | — | — | $8,573/mo | $7,790/mo |
| District Energy System | $2,000,000 | — | — | — | $31,161/mo |
| System Type | Best For | Installed Cost | Typical Term |
|---|---|---|---|
| Packaged Rooftop Units (RTU) | Small-medium commercial buildings, strip malls | $8,000–$60,000 each | 36–60 mo |
| Split Systems (ductless) | Server rooms, offices, add-on spaces | $2,000–$20,000 | 24–48 mo |
| VRF/VRV Systems | Hotels, offices, schools — multi-zone | $100,000–$500,000 | 48–72 mo |
| Chilled Water Systems | Large buildings, data centers, hospitals | $200,000–$5M | 60–84 mo |
| Cooling Towers | Supplement to chillers, industrial | $30,000–$500,000 | 60–72 mo |
| Commercial Boilers | Heating, hot water, process steam | $20,000–$300,000 | 48–72 mo |
| Geothermal Systems | Energy-efficient, all climates | $100,000–$1M+ | 60–84 mo (PACE) |
| Industrial Process HVAC | Cleanrooms, data centers, food processing | $200,000–$5M+ | 60–84 mo |
| Building Controls/BMS | Monitoring and automation | $20,000–$500,000 | 36–60 mo |
Inventor of modern air conditioning (Willis Carrier, 1902). World's largest HVAC company. Products span AquaEdge and AquaForce chillers, Comfort Series rooftop units, and DataCenter cooling solutions. Carrier Financial offers 0% promotional financing through authorized dealers.
Key systems: AquaEdge 19MV magnetic bearing chiller ($250,000–$800,000), 50XC/50XP commercial rooftop units ($12,000–$55,000). Strong utility rebate programs across North America.
Manufactures Trane and American Standard HVAC brands. CenTraVac centrifugal chillers are the world's most energy-efficient large-tonnage chillers. Tracer building management system integrates HVAC, lighting, and energy management. Trane Financial provides OEM financing.
Key systems: CGAX air-cooled chiller series, Sintesis rooftop units, CenTraVac centrifugal chillers (200–6,500 tons). Trane Financial frequently offers 0% for 12–24 months on new installations.
World's largest HVAC manufacturer by revenue. Known for VRV (Variable Refrigerant Volume — their trademark for VRF) systems that dominate the multi-zone market. Daikin Americas manufactures equipment in Texas (acquired Goodman Manufacturing in 2012). Daikin Finance provides competitive programs.
Key systems: Daikin VRV IV (multi-zone heating and cooling), Rebel applied rooftop units, Magnitude magnetic bearing chillers. Goodman brand offers lower-cost options for price-sensitive installations.
Manufactures York, Metasys, and Hitachi-brand HVAC equipment. York YZ magnetic bearing centrifugal chiller and YVAA air-cooled chiller are flagship products. Johnson Controls OpenBlue building management platform integrates HVAC, security, fire, and sustainability. York Financial provides OEM financing.
Key systems: YVAA air-cooled variable-speed screw chiller ($150,000–$600,000), York YZ magnetic bearing chiller, York YVAM modular chiller for data centers.
Leading manufacturer of ductless mini-splits and VRF systems. Mr. Slim P-Series (ductless) and City Multi (VRF) are widely used in commercial applications. Hyper-Heating technology allows VRF operation to −13°F. Mitsubishi Electric Finance provides equipment-specific programs.
Key advantage: Mitsubishi Electric VRF systems are recognized as premium quality by the market — their 5-year residual value is stronger than most VRF competitors, which benefits financing terms.
Publicly traded American HVAC manufacturer. Products include Lennox, Allied Air, and Service Experts brands. L-Series commercial rooftop units, IOM inverter-driven rooftop, and ALPS chiller series for commercial use. Lennox Financial provides OEM financing through the dealer network.
Manufacturing: Lennox manufactures in Marshalltown, Iowa and Stuttgart, Arkansas — genuinely American-made commercial equipment. Strong in the light commercial and replacement market.
| Factor | Equipment Loan | PACE Financing |
|---|---|---|
| Credit Required | 650+ FICO | None (property-based) |
| Loan Term | 36–84 months | 10–25 years |
| Monthly Payment | Higher | Lower (longer term) |
| Repayment Method | Monthly bank draft | Annual property tax bill |
| Available For | Any commercial equipment | Energy-efficient upgrades only |
| Property Required | Not required | Attached to owned property |
| Transferable on Sale | No | Yes (stays with property) |
| Best For | Leased space or quick ROI | Owned buildings, large systems |
Required by law (Section 608 of the Clean Air Act) for any technician purchasing or handling refrigerants. Universal certification (Type I, II, and III) is required for commercial HVAC work. Cost: $50–$150 per technician. Failure to be certified can result in fines up to $44,539 per violation per day.
Most states require a mechanical contractor or HVAC contractor license for commercial installation. Requirements vary significantly by state — some require EPA 608 only, others require a state exam, insurance bond, and experience hours. Always verify state-specific requirements before contracting commercial HVAC work.
Equipment loans require 650+ FICO, 2 years business tax returns, P&L statement, and bank statements. PACE financing requires property ownership documentation, property tax payment history, and signed assessment agreement. Property value must support the PACE lien.
Commercial HVAC installation requires mechanical permits in virtually all jurisdictions. Permits must be obtained before work begins. Permit inspections verify compliance with ASHRAE 90.1 energy code, local mechanical codes, and fire/life safety requirements. Permit fees typically run $500–$5,000 for commercial projects.
Commercial HVAC contractors need general liability ($2M+ per occurrence), workers compensation, commercial auto, and equipment floater insurance. Property owners financing HVAC equipment need commercial property insurance that covers the new systems.
Many utility companies offer rebates of $1,000–$100,000+ for installing energy-efficient HVAC equipment. Rebates require specific efficiency ratings (SEER2, EER2, IEER, COP). Always check utility rebate programs before purchasing — rebates can offset 10–30% of equipment cost and should be applied for before installation begins.
$300,000–$1M/year
1–3 service trucks, primarily residential and light commercial service and replacement. Equipment investment $75,000–$200,000 (trucks, tools, diagnostics).
$2M–$10M/year
Commercial installation and service — offices, retail, schools, hospitals. 10–30 employees. Typically carries $500,000–$2M in active equipment inventory.
$10M–$100M+/year
Full mechanical contracting — HVAC, plumbing, process piping. Hospital, data center, industrial projects. 50+ employees. Significant equipment and bonding capacity required.
Equipment Financing
Axiant Partners finances all major equipment brands — Caterpillar, Komatsu, John Deere, XCMG, SANY, and 200+ more. 0% down available for qualified borrowers regardless of brand. Terms 36–84 months.
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