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Quick Answer

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.

A $40,000 advance at a 1.29 factor rate becomes $491.43 per business day over 105 days A diagram showing a $40,000 advance times a 1.29 factor rate equals $51,600 total repayment, divided across 105 business days equals $491.43 per business day. $40,000 × 1.29 factor rate = $51,600 total repayment $51,600 ÷ 105 business days = $491.43 per business day A fixed daily obligation, regardless of whether that day is peak or dead season.

HVAC Tool

HVAC MCA Calculator

Enter your average deposits for your current 6-month window and see how your estimate changes by season. HVAC timing can shift your offer by 40-60%.

HVAC Funding Center

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Your HVAC Business
Use your actual last 6 statements. If in dead season, this will be lower than your peak.
$55,000 /month avg
What do your June/July/August (or Dec/Jan/Feb) statements show? Used for timing comparison.
$85,000 /month peak
Auto
1.24
Offer Scenario
Conservative (75%)
NSFs, dead-season window
-
Standard (100%)
Average profile
-
Strong (150%)
Post-peak window, 0 NSFs
-
Two workers in overalls handling a large blue flanged gate valve on a bench, with wrenches laid out beside them
Commercial service work like this runs year-round, separate from the seasonal swings that drive residential HVAC deposits.
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.

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

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Air conditioning condensers and refrigerant pipework mounted on a building wall beside a fixed ladder
Application timing can move the offer significantly for a seasonal HVAC business. Read this before you apply.

HVAC Timing Note

How the calculator's timing multiplier moves your estimated advance A bar chart showing the calculator's own multiplier applied to peak-season deposits: post-peak window at 1.5 times peak deposits, shoulder season at 0.6 times peak deposits, and dead season at 0.18 times peak deposits. Timing Multiplier Applied to Peak Deposits Post-peak 1.5x Shoulder 0.6x Dead season 0.18x Bar length is the calculator's own multiplier applied to your peak-season deposits.

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. The funding provider sets the actual decision timeline after reviewing your file.

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

500 FICO minimum  ·  $4K-$6K+/month revenue  ·  Funding timing is set by the funding provider after review

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.