New York, NY - HVAC companies operate in one of the most seasonally volatile sectors of the small business economy. Demand surges during extreme heat and cold, then slows dramatically during milder months - making fixed loan payments a financial risk rather than a solution. FundKite is addressing this challenge with a modern approach to HVAC business loans, offering a Revenue Based Finance (RBF) structure that aligns repayment directly with a contractor’s actual revenue.

Rather than imposing fixed monthly payments or rigid loan terms, FundKite’s HVAC funding model bases repayment on a percentage of Gross Sales. When business is strong during peak seasons, payments increase naturally. When demand slows, payments decrease automatically - ensuring HVAC companies are never forced into repayment obligations that strain cash flow.

“Seasonality is not a flaw in the HVAC business - it’s the nature of the industry,” said Alex Shvarts, CEO of FundKite. “Traditional loans ignore that reality. Our revenue-based structure respects it by adjusting payments in real time, so contractors can focus on serving customers instead of stressing over fixed bills during slower months.”

Unlike conventional HVAC business loans, FundKite’s RBF model has no fixed repayment term and no fixed payment amount. Repayment continues only until the agreed-upon receivables are delivered, allowing business owners to operate with confidence even when weather patterns or market conditions shift unexpectedly.

This flexibility makes FundKite’s HVAC funding ideal for contractors managing:

• Seasonal installation and service demand
• Weather-driven revenue spikes and slowdowns
• Payroll and staffing changes across peak cycles
• Equipment purchases and fleet upgrades
• Inventory needs ahead of high-demand seasons

“Our role isn’t just to provide capital - it’s to be a long-term partner,” Shvarts added. “When HVAC businesses thrive, we succeed alongside them. That’s why we designed a model that grows with the business instead of working against it.”

FundKite’s revenue-based approach also serves as a powerful risk-mitigation tool. By eliminating fixed repayment pressure, HVAC owners gain greater control over working capital during off-peak months. This allows them to maintain staff, invest in training, service equipment, and prepare for upcoming seasonal surges without overextending financially.

Key benefits of FundKite’s HVAC funding model include:

• Payments that automatically adjust with revenue
• No fixed terms or minimum payments
• Repayment based solely on a percentage of Gross Sales
• Cash flow protection during slower seasons
• A partner-focused approach built for long-term business health

For HVAC business owners, financial planners, and industry analysts evaluating smarter ways to finance growth in a seasonally dependent industry, FundKite’s approach offers a compelling alternative to traditional HVAC business loans.

As climate patterns continue to drive demand volatility and operational costs rise, access to adaptable capital has become essential. FundKite remains committed to providing HVAC contractors with funding solutions that reflect how their businesses actually operate - through every season.

For more information about FundKite’s flexible HVAC business loans and revenue-based funding solutions, visit FundKite.com.

Media Contact

Name
FundKite
Contact name
Alex Shvarts
Contact phone
(877) 502-5003
Contact address
2 S. Biscayne Blvd #2350
City
Miami
State
FL
Zip
33131
Country
United States
Url
https://fundkite.com/