FLEXIBLE PAYMENT ORBITS: PAY FOR YOUR COMFORT OVER TIMESmart HVAC Financing: Upgrade Your Comfort Without the Upfront Stress
Residential and Commercial Financing SolutionOptimus Financing
OPTIMUS is designed for residential home-improvement projects, especially HVAC. You can typically finance full system replacements, efficiency upgrades, ductwork, and many comfort or indoor-air-quality improvements, subject to lender approval.
OPTIMUS uses a soft credit pull to pre-qualify you and match you to an appropriate lending path, which is different from submitting multiple full loan applications. Individual lenders may perform a hard credit check before final approval, but the initial OPTIMUS process is designed to protect your credit as much as possible.
During your estimate, just let us know you’d like monthly payment options. We’ll send you a secure OPTIMUS application link (or walk you through it on a tablet/phone). You complete a short form, see your available plans, choose the one that fits your budget, and once approved we schedule your installation.
Commercial Financing SolutionBackd Financing
Backd is designed for established small and mid-sized businesses—such as restaurants, retail shops, offices, warehouses, and property managers—that need working capital or project funding. Exact eligibility (time in business, revenue, and credit profile) is determined by Backd’s underwriting guidelines.
A business line of credit works like a flexible pool of funds: you draw only what you need (up to your limit) and pay interest on the amount you use; as you repay, your available credit replenishes. A term loan is a lump sum you receive upfront and repay over a set period with fixed payments—better for one-time, larger projects. Backd offers both options so businesses can match the structure to their HVAC and cash-flow needs.
Once your application and documentation are complete and approved, Backd can fund many businesses in as little as 24 hours, depending on the product and your qualifications. That speed makes it a strong option when you need to move forward on critical HVAC or refrigeration work without waiting on traditional bank timelines.
