HVAC MCA Calculator: Advance & Daily Payment

HVAC Funding Center

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Your HVAC Business

Current 3-Month Average Monthly Deposits

Use actual last 3 statements. If in dead season, this will be lower than your peak.

$55,000 /month avg

Your Peak Season Monthly Deposits

What do your June/July/August (or Dec/Jan/Feb) statements show? Used for timing comparison.

$85,000 /month peak

Desired Advance Amount

Auto

Factor Rate

1.24

Term Length

Application Season

Offer Scenario

Conservative (75%)

NSFs, dead-season window

—

Standard (100%)

Average profile

—

Strong (150%)

Post-peak window, 0 NSFs

—

Your Estimate

Estimated Advance
$55,000
Standard (100%) scenario

Daily Payment

$514

/business day

Total Payback

$68,200

Cost: $13,200

Monthly Payment

$11,308

(22 days × daily)

Payback Timeline

6 mo

132 business days

Daily Payment vs. Current Daily Deposits5.4%

Safe (<10%)Manageable (10–15%)High (>15%)

5.4% of current daily deposits. Safe range — but also check your off-season deposits can cover this payment during slow months.

Timing Impact — Same Company, Different Window

Post-peak window (best) $127,500

Shoulder season $82,500

Current window $55,000

Dead season (worst) $15,000

All estimates at 100% scenario. Peak deposits set via your "Peak Season" slider.

Ready to Apply?

Your estimate: $55,000 advance · $514/day

Apply Now →

HVAC Timing Note

Apply in August/September — After AC peak season. Your June/July/August window is your largest advance opportunity of the year.
Apply in January/February — If your market has strong heating demand, the Dec/Jan/Feb window is your second opportunity.
Avoid March/April and October — Dead season deposits pull your 3-month average down by 50–70%. If you must apply, attach a seasonal explanation letter with prior year peak-month data.
Off-season payment check — Make sure your daily payment is also survivable during your slow months (the health bar above uses your current window average, not your off-season floor).

Estimates only. Read the HVAC Funding Guide for full seasonal underwriting detail.

T.A.G. Business Funding

See If Your Business Qualifies

500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.

Apply Now → Call 330-238-3003

✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome

500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days

Frequently Asked Questions

How do I calculate the daily MCA payment for my HVAC business?

Daily payment = (advance × factor rate) ÷ business days in term. Example: $40,000 × 1.29 factor rate = $51,600 total repayment. Over a 5-month term (~105 business days): $51,600 ÷ 105 = $491.43 per business day. During slow season, this is a significant daily obligation — ensure your off-peak monthly cash flow can support the daily pull before signing.

What factor rate should an HVAC business expect?

HVAC businesses typically receive factor rates in the 1.25–1.39 range. Lower rates go to businesses with 700+ FICO, consistent 12-month deposit history, and strong average daily balances. Higher rates reflect seasonal volatility, lower FICO, shorter time in business, or second-position advance. The 2026 industry average for mechanical trades (including HVAC) is 1.29.

Is there a prepayment discount for MCA in the HVAC industry?

Prepayment discounts vary by funder. Some funders offer a reduced payoff (e.g., pay 95% of balance after 60% term completion). Others charge a fixed factor rate regardless of when you pay — meaning early payoff does not reduce total cost. Always ask your ISO specifically whether the offer includes a prepayment discount and what the terms are before signing.