Why HVAC pros use Frank
Last updated: JUNE 2026
You've got seasonal swings, big-ticket equipment, and customers who expect same-day answers. Frank gets it. We match you to lenders who actually fund trades businesses, whether you're financing a new install, stocking up before peak season, or smoothing out the slow months.
Equipment and vehicle financing for units, tools, and service vans
Working capital to bridge seasonal gaps and make payroll
Fast decisions so you can say yes to the big job
No cost to you. No catch.
Frank is free for borrowers. We compare offers across hundreds of lenders and bring you the best fit, so you spend less time chasing money and more time on the roof.
Financing built for HVAC contractors
Financing built for HVAC contractors
When a compressor fails in July or a service van dies mid-route, you can't wait two weeks for a bank to say maybe. Frank compares financing across 550+ lenders in minutes, so you can cover equipment, payroll, and parts without stalling the job.
When a compressor fails in July or a service van dies mid-route, you can't wait two weeks for a bank to say maybe. Frank compares financing across 550+ lenders in minutes, so you can cover equipment, payroll, and parts without stalling the job.
Why HVAC pros use Frank
Why HVAC pros use Frank
Equipment & vehicle financing
Fund new units, tools, and service vans without draining cash reserves. Spread the cost so a single big purchase doesn't tie up your season.
Seasonal working capital
Bridge the slow months and keep payroll steady. Stock up on inventory before peak demand instead of scrambling when the heat hits.
Same-day yes to the big job
Fast decisions mean you can take the commercial install or fleet expansion without waiting on a bank's timeline.
Equipment & vehicle financing
Fund new units, tools, and service vans without draining cash reserves. Spread the cost so a single big purchase doesn't tie up your season.
Seasonal working capital
Bridge the slow months and keep payroll steady. Stock up on inventory before peak demand instead of scrambling when the heat hits.
Same-day yes to the big job
Fast decisions mean you can take the commercial install or fleet expansion without waiting on a bank's timeline.
How Frank works
How Frank works
1. Tell us what you need
A few quick questions about your business and what you're financing. Two minutes, no paperwork pile.
2. We compare 550+ lenders
Frank finds the lenders who fund HVAC and trades businesses, and surfaces the offers that actually fit.
3. You pick the best fit
Compare terms side by side and choose. Less time chasing money, more time on the job.
1. Tell us what you need
A few quick questions about your business and what you're financing. Two minutes, no paperwork pile.
2. We compare 550+ lenders
Frank finds the lenders who fund HVAC and trades businesses, and surfaces the offers that actually fit.
3. You pick the best fit
Compare terms side by side and choose. Less time chasing money, more time on the job.
Let's start the process to get you funded. How long have you been in business?
Let's talk
Curious how Frank speeds up SME lending? Reach out and we’ll show you how qualified businesses and lenders connect faster.
Curious how Frank speeds up SME lending? Reach out and we’ll show you how qualified businesses and lenders connect faster.
Curious how Frank speeds up SME lending? Reach out and we’ll show you how qualified businesses and lenders connect faster.
The funding partner that gets small business lending across the line, faster, and at terms they wouldn't find on their own.
Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners. Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York. Frank is not affiliated with Talk to Frank, the UK drugs advice service.
Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.
© Frank 2026
The funding partner that gets small business lending across the line, faster, and at terms they wouldn't find on their own.
Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners.
Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York.
Frank is not affiliated with Talk to Frank, the UK drugs advice service.
Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.
© Frank 2026
The funding partner that gets small business lending across the line, faster, and at terms they wouldn't find on their own.
Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners.
Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York.
Frank is not affiliated with Talk to Frank, the UK drugs advice service.
Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.
© Frank 2026