$0 down at signing
No down payment. No origination fee. No loan application. Their savings account doesn't move.
A better way to say yes
Give your customers new HVAC. $0 down.
HVAC Leases is the third-party-owned alternative to a loan, built for the customers who keep saying "let me think about it." Your team makes the pitch — we handle the lease, the equipment, the install, and every service call for the next 10–12 years.
- You stay the trusted advisor. We make it affordable.
- Soft credit check. Doesn't touch their score or their debt-to-income.
- New high-efficiency equipment, installed and maintained by us.
For HVAC sales companies. Homeowners — ask your sales rep if they offer HVAC Leases.
Built so your customers can say "yes" without thinking twice
$0
Upfront cost to your customers
10 yr
Of worry-free coverage included
100%
Parts, labor & maintenance included
What your customer gets
Every benefit included. For a decade.
When your customer signs up, they get a brand-new system installed, plus everything that keeps it running — for the full 10 or 12 years. No surprise bills. No service contracts to remember. No warranty cards to mail in.
Soft credit check only
Approval in minutes. No hard pull. Doesn't appear on their credit report. Doesn't affect their debt-to-income for a future mortgage or car loan.
Fixed monthly payment
Set at signing. Minimal escalation over the term. Easy to budget around.
New, high-efficiency equipment
Premium brands — Trane, Carrier, Lennox, Rheem, Daikin, Mitsubishi, Bosch, and more. The right system for the home.
Professional installation
We dispatch certified installers. Permits, code compliance, AHRI — all handled. Your customer just picks a date.
Annual maintenance — included
A pro shows up every year for the tune-up. Spring or summer for cooling, fall or winter for heating. Filters, pads, UV bulbs replaced on schedule.
Full parts & labor coverage
Something breaks? They call us. We fix it. Compressor, coil, board, motor — all covered for the full term.
10 or 12 year term — they pick
Worried about commitment? They can pre-pay anytime with a 5% discount on remaining payments. The coverage stays in force.
How it works
Three steps to a signed deal.
Designed to drop into the sales conversation you already have.
-
01
You pitch the offer.
Your sales team presents HVAC Leases as a financing option alongside cash and loans. We give you the talk track, the numbers, and the digital quote tool.
-
02
The homeowner signs up.
Soft credit check. $0 down. Contract signed in their customer portal. ACH set up. They pick the term and the equipment.
-
03
We take it from there.
We dispatch the install crew. We handle the equipment, the permits, the maintenance, and every service call for the next 10–12 years. You get paid for the sale.
Who qualifies
Most of your customers do.
The qualification bar is intentionally low. We're looking for homeowners with a stable enough payment history to keep up with a low fixed monthly — not people who could already pay cash.
Credit & financial
- 650 FICO minimum (soft check — no impact to score).
- No DTI requirement. Their other debts don't count against them.
- No income verification. Income isn't a factor.
- Doesn't report as debt — it's not on their credit file.
- Co-applicant allowed — spouse, partner, family member. Both equally responsible.
- Bankruptcy on one applicant? The other applicant alone can still qualify.
Home types we serve
- Single-family detached homes
- Multi-family the homeowner owns outright (duplex, triplex, fourplex)
- Townhomes (where the homeowner owns the wall the equipment mounts to)
- Condos & apartments the homeowner owns
- Manufactured homes on a permanent foundation, on land they own
- Trust or LLC owned? Fine, as long as the applicant is the trustee or controlling member.
End of term
When 10 or 12 years are up, they have options.
No surprise balloon payment. No "now you owe us" moment. Just four ways to finish the plan.
Renew the coverage
Stay on the plan for another 1 or 3 years. Lower monthly payment. Full coverage continues.
Buy the equipment
Purchase outright at fair market value. Buyout drops by year: 22% at year 10–11, down to 10% by year 13+.
Upgrade to a new system
Start a new lease on a fresh system. Get a 25% credit per renewal year applied to the new monthly payments.
Return the equipment
Walk away. A small disposition fee applies. No long-tail commitment.
Selling the house?
Two clean options: buy out the equipment and transfer it with the sale, or transfer the lease to the new homeowner. We release the UCC-1 filing either way.
What if the homeowner passes away?
Property goes to the heir → heir takes over the plan. Property goes to the estate → estate handles it. Same as a mortgage.
Want to pre-pay early?
Available anytime after activation. 5% discount on the total remaining payments. Worry-free coverage stays in force for the full original term.
For your business
A new shelf in your sales toolkit.
HVAC Leases is for sales-led HVAC businesses whose customers keep walking away from a quote because of the upfront cost. Add this as a financing option alongside cash and loans — and let the customer decide.
You sell. We do everything else.
Your team pitches the offer. We dispatch the install crew, handle permits, manage maintenance, and field every service call for 10–12 years. No callbacks. No warranty headaches. No "where's my filter?" calls.
Your relationship. Our infrastructure.
You stay the face of the deal. We sit behind you, invisible to the customer. Your reps get paid on the sale. Your customer gets a working system, forever.
A close for the "we'll think about it" objection.
Most lost deals aren't lost to a competitor. They're lost to inaction. $0 down kills the inaction. Soft credit means anyone above 650 FICO walks out of the conversation approved.
Live partner support.
Real humans in chat, SMS, and WhatsApp. Sales support, install coordination, account questions — all queued by topic so the right person picks up on the first try.
Ready to add it to your toolkit?
We're onboarding partners now, slowly. If you sell HVAC and your customers ask about financing, we want to talk to you.
Become a partner
FAQ
Common questions.
Who owns the equipment?
We do. The homeowner pays a fixed monthly fee for the use of the system, plus parts, labor, and routine maintenance. At the end of the term, they can buy it, upgrade, renew, or return it.
What credit score is needed?
650 FICO minimum. We run a soft credit check — it does not affect the homeowner's score and does not appear on their credit report. There's no debt-to-income requirement either.
What if the system breaks?
The homeowner calls us. Parts and labor are covered for the entire lease term. We dispatch a technician. The homeowner pays nothing.
What brands of equipment are available?
Premium high-efficiency brands — including Trane, Carrier, Lennox, Rheem, Daikin, Mitsubishi, Bosch, LG, Fujitsu, and more. The right system is matched to the home.
Who does the installation?
Certified installers dispatched by us. We handle permits, code compliance, AHRI, and the install package. The homeowner just picks a date and a system. Your sales team doesn't touch the wrench.
Is annual maintenance really included?
Yes. A technician shows up annually (or twice a year if the homeowner opts in at signing) for cooling tune-ups in spring/summer and heating tune-ups in fall/winter. Air filters, humidifier pads, UV bulbs, and dehumidifier filters are all replaced as part of the visit, included in the monthly payment.
Can the homeowner have a co-applicant?
Yes — up to two applicants. A spouse, partner, family member, or close associate. Both are equally responsible. If one has a bankruptcy but the other passes credit, the application can still move forward.
What if the homeowner sells the house?
Two options: buy out the equipment (price drops from 22% at year 10–11 down to 10% by year 13+), or transfer the lease to the new homeowner. We release or transfer the UCC-1 filing either way. The lease doesn't block the home sale.
What sites are NOT eligible?
Carports and overhang-only structures, commercial or non-residential buildings, and any irregular or non-standard structures. Manufactured homes are eligible only if they're on a permanent foundation, on land the homeowner owns, and titled as residential real estate.
Is the homeowner eligible for federal tax credits?
No — because the equipment is leased, the homeowner isn't eligible for the federal IRA tax credits. That's actually how the math works for the customer: we capture the tax credit and use it to keep the monthly low. Local utility rebates and state incentives are still available to the homeowner, however.
How does our sales company get paid?
You sell the deal. We pay you a commission on the signed lease. Your team doesn't touch the install, the service calls, or the warranty paperwork.
Is this available everywhere?
We're rolling out partner by partner, market by market. Reach out and we'll tell you straight whether your area is covered today.