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, $10,000/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 underwriters see when reviewing 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 Texas HVAC underwriters look 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, 6 consecutive months of business bank statements (all pages), and a voided business check. No tax returns or financial statements.
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, $10,000/month in average deposits, 500 FICO.
Apply in August or September immediately after Texas's summer AC season. Your last 3 bank statements reflect peak-season deposits — the highest 3-month average of the year. This yields the largest advance and best factor rate. Avoid applying in December–February when deposits include the slow fall 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 $10,000+/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 within 2–4 hours of submitting 6 consecutive months of bank statements. Funds deposit within 24–48 hours of contract signing. Same-day funding 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.
One-page application. 6 consecutive months of bank statements. Decision in 24–72 hours.
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 · $10K+/month deposits · Funded in 1–3 days
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