Can installation and crane lift be financed?

Often yes. Installation, crane lift, curb adapters, and controls can be included as soft costs when they appear on the same project quote. Inclusion is determined during underwriting and approval.

Can multiple rooftop units be financed at once?

Yes. A multi-unit HVAC replacement can be financed on one quote and valued together. The overall structure is determined during underwriting and approval.

Do you finance HVAC for a leased commercial space?

Operating from leased space is common, and HVAC for leased premises can be financed. The premises lease term may factor into the structure and is considered during underwriting.

Can a used HVAC unit be financed?

Used HVAC equipment can be financed and is valued on age and condition of the compressor and heat exchanger. We typically request specifications and an inspection, subject to underwriting.

Equipment Financing

Commercial HVAC Units Financing

Direct answer

RCR International Finance LLC finances commercial HVAC units for restaurants, retail, offices, warehouses, and multi-tenant properties, including rooftop units, chillers, and split systems. Funding can cover a single replacement or a full system upgrade through an equipment loan or lease, often spreading a major facility investment over its service life. Eligible units, terms, and any down payment are subject to underwriting and approval based on the business and the quote.

Start an Application Call +1 248-939-2646

15 to 20 years

Typical useful life

New & used

What's financed

Loan / lease

Both available

The asset

Secured by

Subject to underwriting and approval.

Reviewed by the RCR International Finance LLC team

Commercial finance specialists · Last reviewed January 2026

Written to reflect how commercial hvac units financing actually works and checked against our editorial & compliance standards.

?Quick answer

Plan ahead

Estimate your payment

Model a monthly payment for commercial hvac units before you apply.

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What commercial hvac units you can finance

A representative sample of eligible assets in this category.

Rooftop package units (RTUs)
Air-cooled and water-cooled chillers
Split and ductless mini-split systems
Make-up air units (MAUs)
Boilers and heat pumps
Air handlers and condensing units
Building controls and thermostats

Financing commercial hvac units: the basics

RCR International Finance LLC arranges commercial hvac units financing for businesses acquiring facility equipment. Because the asset secures the deal, commercial hvac units is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.

New HVAC units typically qualify for longer terms and full warranties on the compressor and coils, which suits long-term facility use. Used HVAC equipment is sometimes financed and valued on age and condition of the compressor and heat exchanger. Both new and used purchases are subject to underwriting and approval.

A loan builds ownership in fixed equipment that conditions a building for many years, which fits owners holding their property long term. A lease can ease the upfront cost of a large multi-unit replacement and preserve capital. The right structure depends on cash flow, property tenure, and tax planning.

Loan vs lease: which fits this asset?

Both options finance commercial hvac units, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.

Equipment Loan

Build ownership

You own the equipment outright at the end of the term
Builds equity in the asset as you pay it down
Best for equipment with a long, productive useful life
Payments are typically higher than a comparable lease

Equipment Lease

Lower payments, flexibility

Lower monthly payments to preserve cash flow
Flexibility to upgrade, renew, or return at term end
Best for assets you replace or upgrade often
End-of-term purchase options may be available

Soft costs you can often include

Financing frequently covers more than the sticker price, so the asset is working from day one.

Freight and delivery of units

Roll freight and delivery of units into the financed amount where the structure allows.

Installation, crane lift, and curb adapters

Roll installation, crane lift, and curb adapters into the financed amount where the structure allows.

Ductwork, refrigerant lines, and controls

Roll ductwork, refrigerant lines, and controls into the financed amount where the structure allows.

Applicable sales and use taxes

Roll applicable sales and use taxes into the financed amount where the structure allows.

Permitting and commissioning

Roll permitting and commissioning into the financed amount where the structure allows.

How equipment financing works

Select equipment

Identify the commercial hvac units and obtain a vendor quote with specifications.

Apply

Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.

Loan or lease

Choose an ownership-building loan or a lower-payment lease, subject to approval.

Vendor payment

On approval, financing pays the vendor and you take delivery.

Documents to finance commercial hvac units

Signed equipment quote or project invoice
Three to six months of recent business bank statements
Most recent business tax return
Specifications: unit type, tonnage, and quantity
Driver's license or government-issued ID of the owner
Completed credit application

All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.

Industries that finance commercial hvac units

Facility Services

Covering crew payroll against net-term contracts

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Restaurants

Buying kitchen and refrigeration equipment

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Retail

Stocking inventory ahead of seasonal peaks

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