New York Commercial Finance Disclosure Law (CFDL): New York CFDL (effective August 1, 2023) requires disclosure of total payment obligation, factor rate, holdback percentage, and APR-equivalent before signing any commercial finance offer under $2.5 million. T.A.G. Business Funding provides full NY CFDL-compliant disclosure on all New York MCA offers before signing.
New York Markets
HVAC Funding by New York Market
Manhattan — Commercial HVAC
Manhattan office towers, luxury residential buildings (Park Ave, Fifth Ave, Hudson Yards), and hotels require constant commercial HVAC maintenance and major replacement projects. A single Manhattan high-rise HVAC replacement contract can be $200,000–$2M+. MCA funds mobilization, materials, and crew for commercial HVAC contractors before draws are received.
Typical: $50K–$350K
Brooklyn / Queens
Brooklyn's rapid residential growth (Williamsburg, Bushwick, Crown Heights, Park Slope) drives HVAC installation and replacement demand. Long Island City (LIC) commercial development adds commercial HVAC work. Older housing stock throughout Brooklyn and Queens drives significant boiler and furnace replacement volume.
Typical: $25K–$200K
Long Island — Nassau & Suffolk
Long Island's large residential housing stock creates consistent HVAC replacement demand year-round. Nassau County's older housing stock drives boiler replacement in winter and AC replacement in summer. Suffolk County's growing commercial real estate adds commercial HVAC maintenance accounts.
Typical: $20K–$175K
Westchester / Rockland / Orange
Westchester County's high-income residential market (Scarsdale, Greenwich border towns, White Plains) drives premium HVAC replacement demand. Westchester Medical Center and regional hospital HVAC maintenance contracts. Rockland and Orange County residential markets qualify on the same criteria.
Typical: $20K–$150K
Buffalo / Rochester / Syracuse
Upstate NY winters are severe — Buffalo averages 21°F in January with lake effect snow. Significant heating emergency demand in winter. CHIPS Act semiconductor fab construction (GlobalFoundries Fab 8 in Malta, proposed Micron near Syracuse) adds commercial HVAC demand for new clean-room construction.
Typical: $15K–$120K
Bronx / Staten Island
Bronx residential HVAC market including public housing HVAC subcontracts. Staten Island residential and commercial HVAC. Both boroughs have significant older housing stock with consistent boiler and furnace replacement demand. Qualify on the same commercial criteria as the broader NY market.
Typical: $15K–$120K
Qualification
New York HVAC Contractor MCA Requirements
Minimum Monthly Deposits
$15,000/month
Minimum FICO Score
500 (soft pull only)
Time in Business
4+ months operating
Documents Required
6 consecutive months bank statements + application
Advance Range
$15,000–$350,000
NY CFDL Disclosure
Provided on all NY offers before signing
FAQ
New York HVAC Contractor Funding — FAQ
Can a NYC commercial HVAC contractor use MCA to mobilize on a high-rise project?
Yes. NYC commercial HVAC contractors are often awarded large building contracts with monthly draw schedules — but mobilization costs (materials, crew, equipment) come before the first draw. MCA bridges the mobilization gap, funded in 24 hours. NYC commercial HVAC MCA advances up to $350,000 are available based on trailing monthly deposit volume.
Can a Long Island HVAC contractor use MCA to pre-stock boilers before winter?
Yes. A Long Island HVAC contractor who needs to pre-stock residential boilers (typically $4,000–$12,000 per unit) or furnaces before heating season can use MCA to fund inventory purchases in 24 hours. Boiler units typically turn over within 2–4 weeks of heating season demand peaking.
How much can a New York HVAC contractor get with MCA?
NY HVAC MCA amounts range from $15,000 to $350,000. A NYC commercial contractor averaging $120,000/month may qualify for $90,000–$180,000. A Long Island contractor averaging $65,000/month may qualify for $48,750–$97,500. A Westchester contractor averaging $45,000/month may qualify for $33,750–$67,500.
What NY CFDL disclosure is required on New York MCA offers?
NY CFDL (effective August 1, 2023) requires disclosure of total payment obligation, factor rate, holdback percentage, and APR-equivalent before signing. T.A.G. provides full CFDL-compliant disclosure on all NY MCA offers before any commitment is required.
How fast can a New York HVAC contractor get funded?
Most NY HVAC applications receive a decision within 2–4 hours. NYC contractors submitting complete files before noon Eastern time are eligible for same-day wire funding.
Related Pages
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