Effective October 1, 2021, EnerBank USA ("EnerBank") merged with and into Regions Bank. Learn more here

As an experienced HVAC contractor, you're probably aware that most homeowners aren't prepared to pay for the unexpected cost that an HVAC system in need of repair can bring. In fact, studies have shown that a third of homeowners don't have a planned way to pay for a project before speaking to a contractor. As an HVAC contractor, you can solve such problems by offering financing as part of your service.

How Does HVAC Financing for Contractors Benefit You?

By offering financing, you are providing a convenient and flexible payment option to your customers for their HVAC system upgrades and replacements. Of course, offering financing has benefits for you too:

Close Deals Faster

Close Deals Quickly

Time is of the essence when it comes to an HVAC project. With EnerBank, your customer can receive a lending decision within minutes and only need to sign once upfront. This means you can get to work sooner and finish jobs faster.

Fast Funding

Fast Funding

We've made requesting funds from homeowners quick and easy. At the time of application, your customer will select whether they want to be contacted via text or phone call. When you're ready to get started on the project, simply send the request, and the funds will typically hit your account within 24 hours of authorization.

Better Customer Experience

Better Customer Experience

Your customers will love the ease and convenience that comes along with EnerBank payment options including; a choice of paperless application methods and express loan decision. A happy customer is more likely to recommend you to their friends and family, helping you to further grow your business.

Edge Out the Competition

Edge Out the Competition

Looking for a way to stand out from the competition? Offering reliable financing as a part of your services can help increase both the visibility and credibility of your business. Research has shown that by offering payment options at three key touchpoints; in your marketing, during the initial call, and while in the home, you can increase your close rate by up to 50%*.
*Based on the Brickyard Study conducted by EnerBank USA. 2018.

Plus, as a part of an EnerBank payment options program, you can easily track loans with our PartnerPortal system, have access to high-quality marketing materials, and you'll be assigned your very own relationship manager who can assist you with your business. Ready to get started? Click here to tell us about yourself and a new contractor consultant will reach out to you.

How do HVAC Contractors Offer Financing?

We've made it simple for homeowners to apply with three paperless application methods, including the Mobile Loan App, our Online Application, or Loan-by-Phone. With quick approvals, you can get everything signed, sealed, and delivered before you leave the home.

Start Offering HVAC Customer Financing!

It's essential you work with a reliable lending partner to offer the right payment options for your customers. EnerBank has been offering HVAC financing for contractors for two decades — we have a variety of loan products designed specifically for contractors and their clients.

Contact us today about joining a loan program!