4.7-Star Average Rating
Funding For A Business With Two Seasons.
HVAC earns in July and January and pays rent in April and October. Funding built around a trade whose best week and worst week are three months apart, with a decision in hours.
How much funding do you need?
$270,000
Answer a few simple questions and an advisor will come back with the options you actually qualify for.
- Soft credit check only
- No obligation
- 300+
- businesses funded since 2012
- $6M+
- provided in financing
- 4.7 Stars
- from happy customers
What HVAC Contractors Actually Borrow For.
Being ready for the season before it starts — because the week the phone rings is not the week to be ordering equipment or hiring.
Units on the truck before the heatwave
A condenser in your warehouse is a same-day install. The same unit ordered in is a customer who calls someone else.
Trucks, recovery gear and tooling
A fitted service van is a technician who can work alone, which is the whole economics of the trade.
The shoulder months
Spring and autumn pay for themselves and not much more, while payroll, rent and insurance run at full rate all twelve months.
Technicians, hired before the rush
Seasonal crew have to be hired, trained and paid ahead of the demand they are there to meet.
Adding commercial or new construction
Bigger contracts want more equipment, more crew and more float on day one than residential service ever did.
Maintenance plans and local demand
Service agreements are the thing that smooths the year, and they are sold with campaigns paid for months in advance.
The Options This Trade Usually Wants.
All nine are open to an HVAC contractor. These are the ones the shape of the problem tends to point at — and an advisor will say plainly if a different one fits better.
Get FundedBusiness Line of Credit
A Credit Line That Refills As You Repay
An approved limit you draw from, pay down, and draw from again — with interest charged only on the balance you actually have out. The money is in place before you need it, so a slow month does not start with an application.
Revolving Limit — Approvals up to $1,500,000, reusable as you repay
Inventory Financing
Buy The Stock Before The Season Needs It
Funding secured by the goods it buys, so you can take a bulk price, cover a long lead time, or fill the shelves ahead of a season without draining the account that pays the staff.
The Stock Is The Security — The inventory itself collateralises the facility
Equipment Financing
Financing That Pays For Itself
Finance the machine, vehicle or system your business runs on and let it earn while you pay for it. The equipment secures the loan, so approvals lean on what you are buying rather than on the collateral you already own.
New or Used — Dealer, private-party and auction purchases all qualify
Working Capital
When Timing Is Everything
A lump sum up front with a fixed, predictable payoff — built for payroll, inventory and the gaps between invoicing and getting paid. Approval looks at how your business actually performs, not only at your credit file.
Right-Sized Amounts — From $15,000 to $2,000,000
Merchant Cash Advance
An Advance Against Sales You Have Not Made Yet
Not a loan — a purchase of a slice of your future receipts, repaid automatically as a share of what comes in. The payment rises and falls with the business, which is the point, and the total cost is agreed up front rather than accruing.
Revenue-Led Approval — Recent deposits decide it; credit history rarely does
Funding That Moves At Your Speed.
Three Steps To Funding Your Future
Complete the application.
Answer a few questions about your business — it takes minutes — and an in-house loan advisor will call to talk through what you need.
Get a decision.
Your advisor comes back with the options you actually qualify for, often the same day, and helps you weigh them side by side.
Receive your funds.
Sign your contract and the money can land as soon as the same day — yours to put to work at whatever pace the business needs.
What Can You Do With Funding From Nanotom Capital?
- Purchase inventory
- Cover payroll
- Expand or renovate
- Launch marketing campaigns
- Stabilize cash flow
- Upgrade equipment
- Hire more employees
- Consolidate business debt
What Others Are Saying
Imran A.
Apex Logistics Group
5 out of 5
Our experience was positive. We appreciated the transparency on costs and the no-collateral requirement. Overall, they delivered on what they promised. Got $75k in less than a week.
Shelly R.
Midtown Craft Coffee
4 out of 5
Application process was easy and the rep (I think her name was Morgan?) was super helpful. Took a bit longer than I expected to finalize (4 days instead of 2), but in the end it worked out. Might try again if terms improve.
Jared P.
JP Woodworks
5 out of 5
Fast, no BS. Got funded in like 36 hrs. Helped me cover payroll during a slow week. Would reccomend.
Carlos D.
Co-founder - Fenix Automotive Services
5 out of 5
At first I was a bit skeptical—too many funding companies out there making big promises. But these guys actually delivered. The rate was a little higher than I hoped but no hidden fees and very straight forward process.
Tina M.
Owner - Bayleaf Boutique
5 out of 5
Honestly, didn’t know what to expect but this company came thru in a big way. We were short on cashflow before a big inventory push and they got us approved fast. Funds hit the next morning. Super grateful and def using them again.
Frequently Asked Questions
What is online business financing?
Capital your business applies for and receives through a digital lender rather than a bank branch. It covers structures like small business loans, lines of credit and revenue advances. The application, the document upload and the funding all happen online, which is why a decision comes back in hours rather than weeks.
How does online business financing work?
You submit an online application, an in-house loan advisor reviews your business and talks through what you actually need, and a decision comes back — often the same day. Once you accept an offer and sign, funds can land as soon as that same day. Nanotom Capital looks at your revenue, your time in business and your cash flow rather than at a credit score alone.
How fast can I get funded?
Decisions often come back the same day once your documentation is in, and funds can land as soon as the day you sign. Timelines vary by program and by how quickly you can get documents to us.
What credit score do I need?
Nanotom Capital works with businesses from a 551 personal FICO® score. A stronger score opens up more options, but credit is only one input — revenue consistency, time in business and overall cash flow all count, and some programs still work for businesses with less-than-perfect credit. Below 551, the DIY programs are built to get you back to approval-ready.
Will applying affect my credit score?
No. Applications are reviewed with a soft credit check, which does not affect your credit score. There is no cost to apply and no obligation to accept an offer.
What can I use the funds for?
Essentially any business purpose: payroll, inventory, equipment, renovations, marketing, expansion, or bridging the gap between invoicing and getting paid. Nanotom Capital does not restrict how you spread the capital across the business.
What do I need to apply?
Nothing, to start. The first step is just a form — nothing to gather and nothing to upload, and it is enough for our team to review. Start the intake form. For a full application we will need proof of identity, your last three bank statements, and a signed merchant authorization.