Seasonal cash flow gaps, fleet vehicles, materials, and crew payroll — Florida HVAC operators use revenue-based funding to bridge the gap between job completion and payment.
These are illustrative examples based on realistic SMB funding patterns — not guarantees. Your actual range depends on your revenue, tenure, and credit profile.
Added 2 service vans before summer season. Paid back over 9 months from service call revenue.
Covered crew payroll and materials during the April ramp-up before summer revenue hit peak levels.
Bridged a 45-day payment gap on a commercial retrofit project. Materials and labor covered upfront.
Business name, email, funding need, monthly revenue. Soft pull only — no credit impact.
A real human advisor reviews your application within 24 hours and reaches out with questions or options.
Clear terms, no surprises. Review and accept the offer that works for your business.
Typically 1–3 business days after acceptance. No origination fees to pay upfront.
| Feature | Four Point Group | Lendio / Bluevine | Bank / SBA |
|---|---|---|---|
| Personal collateral required | ✗ Never | Sometimes | Usually required |
| Decision timeline | 1–3 days | 3–10 days | 30–90 days |
| Revenue-based underwriting | ✓ Primary method | Partial | Credit-first |
| Hard credit pull on apply | ✗ Soft pull only | Hard pull | Hard pull |
| Min. funding amount | $10,000 | $5,000–$25,000 | $50,000+ |
| Industry expertise | HVAC & Contractors specialists | Generalist marketplace | Generic products |
Soft credit pull only. A funding advisor reviews your file within 24 hours.
Yes. We fund hvac & contractors across the United States including Florida. The application process and terms are the same nationwide — revenue-based underwriting, no personal collateral, decisions in days.
No. Seasonal revenue patterns are normal for HVAC. We underwrite based on your trailing average and annualized run rate, not your slowest month.
Yes. Revenue-based underwriting means we approve based on your cash flow, not liens on your fleet.
No. Residential service revenue is sufficient. We look at your bank deposit history — not a specific job or contract.
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