T.A.G. Business Funding
T.A.G. Business Funding
Industry Authority Center
Your June and July look like a completely different company from your March and October. Banks don't understand seasonal cash flow. This resource center was built for HVAC operators who need to plan around the peaks — and survive the dead zones in between.
HVAC cash flow crises are almost always one of four situations.
Every tool, guide, and reference built for HVAC companies and mechanical contractors.
How MCA works for seasonal businesses, when to apply relative to your peak season, what your seasonal deposit pattern tells underwriters, and how to time your application for maximum approval odds.
Read the Guide →Enter your peak and off-season monthly revenue to calculate your off-season survival months, recommended bridge amount, and the best time of year to apply for maximum advance size.
Open Calculator →Pre-application checklist for HVAC companies. Includes timing strategy (apply in August, not March), how to present seasonal statements, and what to include for technician licensing verification.
Get the Checklist →Month-by-month HVAC cash flow calendar, strategies for surviving the spring and fall dead zones, pre-season planning framework, and how to use peak season revenue to fund the whole year.
Read the Guide →Why HVAC is actually one of the best industries for MCA approval, how seasonal deposits are evaluated, what peak season evidence does for your factor rate, and how to time your application.
See Approval Factors →15 ChatGPT prompts for HVAC business owners — seasonal cash flow planning, technician hiring and training costs, service agreement pricing, pre-season equipment budgeting, and more.
Get the Prompts →Six steps from application to funded. Full timeline, what documents you need, and what to expect. HVAC-specific timing advice included.
See the Process →Seasonal revenue is normal — here's how underwriters actually evaluate it.
Pro tip: Apply in August/September (right after AC season) or late January (right after heating season) when your last 3 months show peak deposits. This dramatically improves your advance amount and factor rate.
Understanding your revenue cycle is the first step to planning around it.
The HVAC funding strategy: Apply in August or January — right after peak — when your last 3 statements are your strongest. Use the advance to fund through the dead season without tapping reserves. Read the full HVAC Cash Flow Guide →
One-page application. 3 months of bank statements. Decision in 24–72 hours.
500 FICO OK · No collateral · Best results: apply after peak season
Or call/text: 330-238-3003