Capital for your next chiller project.
Match with equipment lenders who fund chiller installs, replacements, and retrofits from $25K to $500K — soft pull first, no credit impact.
Soft pull first — no credit impact. Takes about 2 minutes.
- Air-cooled chillers
- Water-cooled chillers
- Centrifugal units
- Screw chillers
- Magnetic-bearing compressors
- VFD retrofits
- ASHRAE 90.1 compliance
- Refrigerant conversions
- Emergency replacements
Financing for every chiller project.
From emergency replacements to efficiency retrofits — capital sized to your scope.
- Equipment loanChiller financingLoans from $25K to $500K for new installs, replacements, and refurbishments.
- ReplacementChiller replacement loansSame-day decisions on peak-season failures. Full project cost including removal.
- RetrofitChiller retrofit financingVFDs, controls upgrades, refrigerant conversions — efficiency gains that pay for themselves.
- Soft pullNo credit impact to startSee lender matches and rate ranges before a hard pull ever hits your report.
- $25K–$500KLoan rangePer project
- 3–5 daysTypical time to fundsEmergency: 24–48 hrs
- Soft-pull firstNo credit impactHard pull only when you choose a lender
How the capital moves.
Five steps, in order. One soft check. One hard pull, and only from the lender you pick.
Built for HVAC projects.
Every lender on our panel funds commercial chiller projects. They know what an IPLV rating, an ASHRAE 90.1 compliance letter, and a refrigerant phase-out schedule mean before you start typing. New installs, replacements, retrofits, and emergency replacements — all of them.
The lender pays us, not you.
When a matched lender funds your loan, they pay Chiller Financing a flat referral fee. It is disclosed on every term sheet. It does not change your APR. Lenders compete on rate and approval speed, not on who pays the highest commission.
One hard pull.
Only after you pick a lender. Until then it is a soft match: lenders see your file, you see their offers, and your credit report stays untouched. Wire same banking day after lender sign-off. No in-person closings.
Banks weren't built for equipment borrowers.
Your chiller project is real. The problem is that most bank forms weren't designed for commercial HVAC. Three structural reasons banks decline working facility managers and HVAC contractors — none of them about whether you can repay.
DSCR on two years of tax returns.
Banks run debt-service-coverage on your last two 1040s or business returns. One slow quarter, a large equipment write-off, or a depreciation-heavy year — the formula spits you out even when the facility's cooling load and budget are fully intact.
Equipment collateral doesn't fit their workflow.
Regional banks underwrite to real-estate-secured balance sheets. A chiller with a 20-year service life, an ASHRAE-compliant efficiency rating, and a contractor scope of work doesn't fit the commercial-lending workflow they were built for.
Stacking declines compound the problem.
A bank decline lands on your file as a negative mark. The next bank sees it, declines faster, and you lose two weeks per application — especially damaging during a peak-season emergency replacement.
What a funded chiller project looks like.
Composite illustrative scenarios — not specific borrowers. Each card is built from the kinds of replacement, retrofit, and emergency requests our intake routinely sees.
Facility manager, hotel chain
Emergency replacement of a failed 400-ton water-cooled chiller during peak summer occupancy. Full project: chiller, cooling tower, refrigerant reclaim, and recommissioning.
Manufacturing plant operator
VFD addition and controls upgrade on two existing screw chillers. ASHRAE 90.1 compliance drove the project; projected utility savings cover the loan payment.
HVAC contractor, 3 crews
Centrifugal chiller replacement at a corporate campus. Contractor arranged financing in their own name; building owner approved the scope and rate before close.
Restaurant group, 4 locations
R-22 phase-out conversion across four rooftop units. Bank declined on sole-prop tax returns. Equipment lender funded on the service contracts and utility bills.
Common questions
How much does a commercial chiller cost installed?
A commercial chiller typically runs $50,000 to $500,000 installed, depending on capacity, refrigerant, and compressor type. Centrifugal and magnetic-bearing units sit at the top of that range; small air-cooled units fall well under it.
How long are commercial chiller loan terms?
Loan terms typically run 5 to 10 years, matched to the 15-to-20-year useful life of the equipment. Operators usually pick a term that puts the monthly payment under the projected operating cost savings versus the unit being replaced.
What credit profile do lenders look for?
Equipment lenders in our network underwrite prime to mid-prime commercial entities, typically two or more years in business. Newer entities can still qualify when there is a clear revenue history and an installed-equipment collateral position.
How fast can a chiller loan close?
Standard chiller financing closes in 3 to 5 business days; emergency replacements can close in hours when the operator submits intake, equipment quote, and bank statements together.
Does soft-pull preview affect my credit score?
No — the match preview uses a soft credit pull, which has no impact on your score. A hard pull only happens when you sign with the specific lender you select.
Will financing cover removal of the old chiller and commissioning?
Yes — most equipment lenders will fund the full project cost: equipment, removal of the old unit, refrigerant reclaim, electrical work, piping, and recommissioning. Submit the contractor scope of work along with the equipment quote so the lender sizes the loan correctly the first time.