HVAC MCA Calculator — Estimate 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.