For Established HVAC Company Owners
2+ Years in Business
How to Line Up 0% Intro APR Business Credit Cards Before the Spring Rush
— Without a Daily-Debit Advance or Draining Payroll Cash
Before you apply anywhere, we map which banks to go to and in what order, prep the paperwork and introduce you to the bankers.
Clear Vision. The Right Capital. Real Execution.
2-Minute FundingFit Review
See If Your HVAC Company Is Ready for 0% Intro APR Business Credit
Answer the quick questions below about your business and goals. If it's a fit, you'll book a call with one of our specialist to walk through your Game Plan. If it's not, we'll tell you why.
No credit check to answer · Used only to review your fit
What type of business do you own? *
Business credit cards with intro APR periods set by each issuer; the regular APR applies after. Approval and limits are not guaranteed. Bank applications involve hard credit inquiries.
Is this a fit?
Built for established HVAC companies. Not for everyone.
A strong fit
- HVAC or home-service company operating 2+ years
- $20K+ a month in revenue
- 700+ personal credit, card balances under half their limits
- No late payments or negatives in the last 2 years
Not a fit
- Under 700 credit and under $20K a month
- Bankruptcy, judgment or tax lien in the last 2 years
- Turning credit cards into cash
- Daily-debit advances
- Needing the money this week
The real problem
Slow season doesn't pause payroll.
For a lot of HVAC companies, the problem isn't work. It's timing. Payroll, parts and trucks get paid for before customers pay, and commercial clients can take 30 to 120 days.
The slow months
Salaried techs get paid whether the phone rings or not.
The next truck
Every new tech needs a van, and paying cash for one drains the cushion.
Pre-season stock
Equipment and parts have to be bought before the rush pays for them.
What nobody tells you
Strong companies often get small limits, or a no, because they apply to the wrong bank first. Which bank you start with, which credit bureau it checks and how long your account has been open all change the answer.
How it works
Three steps. You stay in control.
FundingFit Review
A short application and a soft pull. You get a straight answer: ready, not yet, or not a fit.
Your Game Plan
Which banks, in what order, which bureau each one checks and how many hard inquiries to expect, with a date for every step.
Banker introductions
We set up the accounts, prepare the paperwork and introduce you to each bank's business banker. You submit and sign every application.
What's included
The 90-Day Pre-Season FundingFit Game Plan
FundingFit Review
A soft-pull review with a plain answer.
Bank-by-bank Game Plan
The order, the bureaus and a date for every step.
Utilization Plan
Balance targets and timing before you apply.
Bank-Ready Profile
State filing, EIN letter, industry code and listings that all match.
Bank Relationship Setup
Which accounts to open and how much real operating cash to keep there.
Application Prep
Each bank's document packet, ready for your review.
Banker Introductions
Introductions to each bank's business bankers.
Funding Tracker
Every application and banker call in one place, with reminders.
Line-of-Credit Step
The bank line that comes after the cards, for slow months and slow-paying invoices.
Fee Sheet
Every fee in writing before you sign anything.
Plus five bonuses
0% Payoff Calendar
Every intro end date and pay-down target.
Pre-Season Spend Plan
What goes on cards, the line, or cash.
Line-of-Credit Fast Track
Your bank-line package, prepared.
Next-Truck Plan
The business auto loan checklist.
12-Month Check-In
A fresh review when larger lines open up.
Bonus prep carries no extra setup fee. The success fee applies to any funding obtained.
Start My FundingFit Review →Who's behind it
Your funding partners, built for HVAC owners.
Bryson Drake · Victor Drake
Co-Founders of AmerifundX
We started AmerifundX because we kept seeing everyday business owners held back by one thing: capital. School doesn't teach you how to start a business, get the right funding or set it up the way banks want to see it. We focused on HVAC because growing companies feel it most: payroll through the slow months, the next truck, and spring stock that has to be paid for before the rush. And we'll never apply anywhere without your signature, hide a fee or push you into a daily-debit advance.
— AmerifundX
Fees and guarantee
Every fee in writing. Before you sign.
$0 upfront
10% success fee on new funding obtained
Our promise
We can't promise what any bank will decide. Here's what we can promise: no approval, no success fee. And if total approvals come in under $10,000, you owe us nothing.
FAQ
Questions owners ask
Spring prep starts now.
Some banks want your business checking account open for a couple of months before you apply. Owners who start in November through January can have applications in before the spring rush. We take on only a few HVAC owners a month so every file gets prepared properly.
Start My FundingFit Review →Takes about 2 minutes · Soft pull for our review