HVAC MCA qualification factors: (1) 6+ months in business; (2) $8,000+ average monthly deposits in your business checking account; (3) 500+ FICO score (underwriters weight revenue history more than credit for HVAC); (4) active business bank account. HVAC businesses with strong seasonal patterns are evaluated on trailing 6-month average deposits to smooth out peak/off-peak variance.
HVAC Guide
Application timing is the single biggest leverage point for HVAC companies. The same business can qualify for $14K or $108K depending on when they apply.
HVAC Funding Center
This is why timing is the most important HVAC approval factor. Same company, same ownership, same credit — different 3-month statement windows produce wildly different results:
Underwriters use the 3 most recent bank statements. For HVAC, this means the months on your statements matter more than any other factor. Applying after peak season means your 3 recent months include August–October — your highest revenue window of the year.
| Application Window | Statements Included | Expected Advance | Rating |
|---|---|---|---|
| August–October | 3 peak/post-peak months | 150% of 3-month avg | Best |
| June–August | 2+ peak months | 100–130% of avg | Good |
| January–February | Post-heating, pre-AC | 100% of heating avg | Acceptable |
| March–April (dead season) | Lowest 3 months | 75% of low-season avg | Worst |
For HVAC, the 3-month average that determines your advance amount is entirely period-dependent. A $50K/month peak season HVAC company with a $12K/month dead season averages very differently depending on which 3 months are evaluated.
| Avg Monthly Deposits | Advance Range | Rating |
|---|---|---|
| Under $12,000 | Difficult to qualify | Low |
| $12,000–$30,000 | $9,000–$45,000 | Acceptable |
| $30,000–$65,000 | $22,500–$97,500 | Good |
| $65,000–$130,000 | $48,750–$195,000 | Strong |
| Over $130,000 | $97,500–$250,000+ | Excellent |
For HVAC, NSF frequency is evaluated in the context of when they occurred. An NSF in March (dead season) raises far more concern than one in July — because a July NSF may be an isolated exception, while a March NSF suggests the business is not managing its off-season cash flow correctly.
| NSF Pattern | Underwriter View | Rating |
|---|---|---|
| 0 NSFs across all 3 statements | Clean — best rates available | Excellent |
| NSFs only in dead-season months | Pattern concern — explain proactively | Flag |
| NSFs in peak months | Severe concern — cash management issue | Problem |
| NSFs across multiple months | Near-automatic decline or very high rate | Critical |
Stacking is riskier for HVAC than non-seasonal businesses because daily ACH payments continue through dead-season months when daily deposits are minimal. An HVAC company that can easily cover a $400/day payment in July may struggle with it in March.
| Active Positions | Concern Level | Rating |
|---|---|---|
| 0 positions | None — full capacity available | Best |
| 1 position with dead-season sustainability | Low — if daily payment ≤25% of dead-season avg daily deposits | Acceptable |
| 1 position but tight in dead season | High — daily payments may fail in March/April | Risky |
| 2+ positions | Likely decline or very small advance | Critical |
Apply after peak AC season when your statements reflect your highest revenue. 48-hour decisions.
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.
500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days
What does an HVAC company need to qualify for MCA?
HVAC MCA qualification factors: (1) 6+ months in business; (2) $8,000+ average monthly deposits in your business checking account; (3) 500+ FICO score (underwriters weight revenue history more than credit for HVAC); (4) active business bank account. HVAC businesses with strong seasonal patterns are evaluated on trailing 6-month average deposits to smooth out peak/off-peak variance.
Does HVAC seasonality affect MCA qualification?
Yes — underwriters typically average 3–6 months of bank statements to determine qualifying monthly revenue. If your summer months show $80K in deposits but winter shows $12K, your qualifying revenue may be evaluated at $30–40K. Some HVAC operators time their MCA applications to peak season to qualify for larger advances at better rates, then use the capital to bridge the slow-season gap.
Can an HVAC company with a tax lien get MCA?
An IRS or state tax lien does not automatically disqualify an HVAC company. Funders look at whether the lien is being actively addressed (installment agreement, payment plan) and whether it is subordinate to the MCA (which it typically is). A current installment agreement with a clean payment history significantly improves the chances of approval despite an outstanding lien.
How much can an HVAC business typically borrow through MCA?
HVAC advance amounts typically range from $10,000 to $300,000, sized at 75–125% of average monthly revenue. An HVAC company averaging $35,000/month in deposits can typically access $35,000–$45,000 in a first-position advance. Equipment-heavy businesses with higher deposits can qualify for larger amounts, sometimes up to 150% of monthly revenue.
