HVAC

Fast, No-Fee HVAC Financing That Closes More Jobs

ENROLL

When systems fail, cost shouldn’t stall the sale. Sunlight helps HVAC contractors turn emergencies into installs with instant, no-cost financing that homeowners say “yes” to. Keep jobs moving, protect your margins, and grow your business—all in just a few clicks.

Fast Credit Decisions

Approvals down to 600 FICO to help turn more estimates into signed contracts.

0% Dealer Fee Options

Keep more of every contract with no dealer fees while protecting your margins.

6-Click Application

Close jobs at the kitchen table with a fast, mobile-friendly process.

Fast, Stable Funding

Get funded in as little as 24 hours to keep installs and cash flow moving.

Learn how Sunlight can grow your business

Enter your info below and a Sunlight representative will contact you within 24 hours.

Company

First name

Last name

State

Phone number

Est. Yearly Revenue

Number of Employees

Years in Business

% of Projects Financed

Do you have an existing retail sales system that does not primarily serve insurance jobs?

Do you currently use a CRM system to track leads and manage your sales pipeline?

If Yes, please tell us which CRM you use

Do you have sales administration support beyond sales reps/owners to adequately support your sales pipeline and financing?

Do you wish to receive text messages reflecting the status of your enrollment?

Yes No

By checking “Yes”, I expressly consent to Sunlight sending me messages – including texts made using an automatic telephone dialing system – related to the status of my application at the number I provided above. Accepting this consent is not required to obtain any items or services. You will receive a maximum of four (4) messages per month. Msg & data rates may apply. Text 'STOP' to opt-out or 'HELP' for assistance at any time.

Notes

Special Financing Built for HVAC Contractors

Sunlight Financial is the contractor-first financing partner that helps remove cost as a barrier so homeowners can say “yes” when they need a new system most. Whether it’s a complete HVAC replacement, a mid-season repair, or an upgraded, energy-efficient system, our full-spectrum lending solutions make every project achievable.

Loan amounts up to $100,000 with 0% dealer fee options
Flex Approvals™ with an extra $5-$7K for project unknowns and upgrades
Good / better / best payment calculator to guide affordability conversations
Digital, paperless platform with fast funding in as little as 24 hours

Sunlight makes it easy for homeowners to tackle any HVAC while helping your business increase sales and maximize profit.

Orange®: Advanced Sales & Reporting for High-Volume HVAC Contractors

For established HVAC companies, Orange® provides a robust sales platform built for scale. From managing multiple system replacements to offering homeowners side-by-side financing options, Orange® helps your sales team close more HVAC jobs faster.

Why high-volume HVAC contractors choose Orange®:

No impact to homeowners' credit until funding with soft credit pulls
Side-by-side payment calculator (good / better / best options)
Paperless process with e-signature loan documents
Mobile app + dedicated support for in-home consultations
Reporting dashboards to track approvals, funding, and sales performance
Seamless Flex Approvals™ to handle mid-project upgrades

Orange® gives HVAC contractors the speed, control, and visibility needed to grow revenue without adding overhead.

Learn More About Orange®

Tangerine™: Streamlined HVAC Financing for Growing Contractors

For growing HVAC companies, Tangerine™ delivers simple, mobile-first financing designed to get you funded faster. With no dealer fees, instant approvals, and flexible terms, it’s built for HVAC contractors who want to keep projects moving without paperwork slowing them down.

HVAC contractors using Tangerine™ can provide homeowners peace of mind during urgent system repairs or replacements, making unexpected expenses more manageable.

Key benefits of Tangerine™ for HVAC:

No dealer fees = more margin to reinvest in your business
Mobile-first access from the jobsite or in-home consultation
Loan terms up to 15 years, helping homeowners spread out costs
Fast funding to help manage cash flow
Accessible to a broader range of homeowner credit profiles

Learn More About Tangerine™

Who We Are

Keep installations on schedule and service calls rolling

Our digital-first process makes it easy for homeowners to apply, get approved quickly, and fund projects without paperwork delays. HVAC reps can close financing in just 6 clicks, with funding delivered in as little as 24 hours. That means you keep cash flow steady, avoid stalled installs, and stay ready to take on the next job.

Close More Sales

Meet your customers’ needs and increase their buying power

Increase Margins

Financing increases average ticket size and allows for upgrades

Get Paid Faster

Easy one-click portal delivers funds fast and conveniently

Happy Customers

Max approvals allow projects to go from “fix it” to “improve it”

WE OFFER THE SUPPORT YOU NEED

Keep Your Cash Flow Steady & Crews Busy

At Sunlight Financial, we provide the tools and resources your HVAC business needs for smooth onboarding and reliable support. Our customer service team, SunDial™, is available to help you troubleshoot and keep your business running strong. As a Sunlight partner, you’ll also be paired with a dedicated account manager who can offer guidance on growing your HVAC financing program. Whether you’re working with Orange®, exploring Tangerine™, or looking into a new product, we’re here to support you.

Sunlight Financial has a proven track record in credit, consumer finance, and home improvement lending. With more than $10 billion funded and over 15,000 sales professionals using Orange® and Tangerine™, we’ve built a platform trusted across industries.

PARTNER WITH US