Time in Business
6 months minimum operating the HVAC business in Texas. Techs with a new LLC post-licensing and 6 months of service calls qualify.
Yes. Texas HVAC companies qualify for merchant cash advances based on bank deposit volume, not credit scores or bank relationships. A bank decline does not affect MCA eligibility. Minimum requirements: 6 months in business, $4,000-$6,000+/month in average deposits, 500 FICO.
Texas Market: HVAC Funding
Texas summer runs June through September, 90-110°F for 120+ days. That's the longest, most intense AC season of any major US market. This page is for Texas HVAC operators who need capital timed to the Texas heat cycle.
Texas HVAC demand varies by region. Here's what a funding review looks at for Texas HVAC applications.
| Metro | Peak Season | Avg Summer Temps | Typical MCA Range | Best Apply Window |
|---|---|---|---|---|
| Dallas-Fort Worth | May-Sep | 95-105°F | $30K-$250K | Aug-Sep or Jan-Feb |
| Houston | May-Oct | 90-98°F (humid) | $25K-$300K | Sep-Oct or Feb |
| San Antonio | Jun-Sep | 95-102°F | $20K-$200K | Aug-Sep |
| Austin | May-Sep | 92-100°F | $20K-$175K | Aug-Sep or Jan |
| El Paso | May-Sep | 95-106°F (dry) | $15K-$120K | Aug-Sep |
| Lubbock / Amarillo | Jun-Aug (AC) + Dec-Feb (Heat) | 92-100°F summers, cold winters | $15K-$100K | Sep or Feb |
Apply after your strongest 6 consecutive months are on the bank statement, not before.
What a Texas HVAC funding review looks for.
6 months minimum operating the HVAC business in Texas. Techs with a new LLC post-licensing and 6 months of service calls qualify.
$10,000+ average monthly deposits. Texas HVAC in summer routinely exceeds this. Apply right after peak season for the strongest offer.
500 FICO minimum. A Texas HVAC company with $50K/month in summer deposits can qualify with a 520 FICO. Revenue outweighs credit in MCA.
One-page application and 6 consecutive months of business bank statements (all pages). No tax returns or financial statements. A voided business check is only requested after approval.
Common questions from Texas HVAC contractors about MCA qualification, timing, and amounts.
Yes. Texas HVAC companies qualify for MCA based on bank deposit volume, not credit scores or bank relationships. A bank decline does not affect MCA eligibility. Minimum: 6 months in business, $4,000-$6,000+/month in average deposits, 500 FICO.
Apply in August or September immediately after Texas's summer AC season. Your 6-month statement lookback will include peak-season deposits, the highest 6-month average of the year. This yields the largest advance and best factor rate. Avoid applying in December-February when the 6-month lookback is dominated by the slow fall and winter transition.
Texas HVAC advance amounts range from $20,000 to $300,000 depending on average monthly deposits. A Dallas HVAC company averaging $60,000/month may qualify for $45,000-$90,000. A Houston company averaging $40,000/month may qualify for $30,000-$60,000.
Yes. Pre-season equipment stocking is one of the most common uses. Applying in February or March with your winter heating deposits on file lets you fund inventory before the April/May rush. Equipment in stock means faster installs and more calls when Texas heat peaks.
Yes. MCA applied in September or October, right after peak summer, gives you a bridge funded at peak-season amounts to carry through the slower November-January period in south Texas.
All HVAC types: residential AC installation and repair, commercial HVAC, refrigeration contractors, ductwork, mini-split installers, commercial refrigeration, and HVAC-plumbing combinations. The primary requirement is 6 months operating with $4,000-$6,000+/month in deposits.
Yes. Texas HVAC companies with at least 6 months in operation and $10,000+ in average monthly deposits can qualify. Companies that have completed their first Texas summer often apply in August with 3 months of strong summer deposits, an ideal qualification window.
Most Texas HVAC companies receive an approval decision after submitting 6 consecutive months of bank statements. Funds are released after contract signing on the provider’s timeline. Funding after provider review is available for complete applications received before noon.
A tax lien does not automatically disqualify. Many funders in T.A.G.'s network work with contractors carrying IRS or Texas Comptroller tax liens, provided the business is on a payment plan and monthly deposits are consistent. Disclose the lien upfront.
Texas requires commercial finance disclosure for MCA under HB 700 (effective September 1, 2025): finance charge and total repayment disclosure, not APR. T.A.G. provides full disclosure (factor rate, total payback, holdback percentage, and estimated term) on every Texas HVAC offer.
Texas summer (June-August) is one of the longest and most intense HVAC seasons in the US. Temperatures above 100°F for weeks at a time create emergency call volume that dramatically increases deposits. During review, Texas HVAC deposits in summer months are viewed favorably, since they represent predictable, recurring peak-season demand.
HVAC demand in Texas does not arrive evenly across the year. Equipment needs to be in stock before the season hits, not after. The gap between pre-season prep and peak-season revenue is what MCA is built to bridge, not a way to fund a business that is not otherwise generating signed jobs.
MCA is a bridge for a specific, time-boxed gap between a real, signed job or a genuine seasonal prep window and the cash to act on it now. It is not the cheapest way to fund long-term growth or to cover a business that is not generating enough signed work on its own. The comparison below is meant to help you decide before you apply, not after.
One-page application. 6 consecutive months of bank statements. Review begins as soon as your file is complete.
500 FICO OK · No collateral · Texas HVAC specialists
Or call/text: 330-238-3003
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Apply after summer peak for maximum advance amount.
500 FICO minimum · $4,000-$6,000+/month deposits · Funding timing is set by the funding provider after review
Related Resources