HVAC equipment manufacturers face a unique cash flow challenge: You've invested in materials, labor, and overhead to produce climate control systems, but your invoices won't be paid for 30, 60, or even 90 days. Meanwhile, you need cash now to cover payroll, purchase materials for the next order, and maintain operations. For manufacturers looking to streamline their financial operations while offering flexible payment terms, Resolve's B2B Net Terms platform provides a comprehensive solution that addresses these specific industry challenges by combining invoice factoring, net terms management, and accounts receivable automation in one integrated system.
Resolve Pay represents a fundamental shift from traditional factoring to a complete B2B payment platform specifically designed for manufacturing businesses. Unlike traditional factoring companies that focus solely on invoice purchasing, Resolve combines non-recourse invoice advances, net terms management, and AI-powered accounts receivable automation in a single integrated platform.
HVAC manufacturers seek a complete B2B payment solution that combines factoring, net terms, and AR automation while eliminating credit risk.
Same day for approved invoices
HVAC equipment manufacturers face a unique challenge: they need to offer flexible net terms to win commercial contracts while protecting their cash flow from payment delays and defaults. Resolve's platform addresses this by allowing manufacturers to offer Net 30, 60, or 90-day terms to customers while receiving immediate payment themselves. The non-recourse nature means manufacturers keep 100% of advances regardless of customer payment outcomes.
The integrated AR automation reduces administrative burden on finance teams managing complex equipment invoices with multiple components, warranties, and service elements. The white-label payment portal maintains the manufacturer's brand relationship with customers, unlike traditional factoring that often involves direct customer communication from the factoring company.
For HVAC manufacturers managing seasonal demand fluctuations, Resolve's platform provides the flexibility to scale financing up during peak heating or cooling seasons while maintaining consistent cash flow. The AI-powered credit decisions enable manufacturers to respond quickly to customer orders without waiting days for traditional credit approval processes.
The seamless ERP integration ensures that transaction data flows automatically between Resolve and your existing accounting systems, eliminating manual data entry and reducing reconciliation errors. This is particularly valuable for HVAC manufacturers dealing with complex invoices that include equipment sales, installation services, warranties, and ongoing maintenance agreements.
Unlike traditional factoring models that notify customers and charge variable fees, Resolve provides a white-label experience with transparent, predictable pricing, preserving manufacturer-customer relationships while streamlining cash flow.
Bottom Line: Resolve Pay is ideal for HVAC manufacturers who want a complete B2B payment solution that eliminates credit risk, automates accounts receivable, and maintains customer relationships through white-label branding.
FundThrough provides HVAC equipment manufacturers with 100% advance rates and AI automation. Offering full invoice value upfront is critical for manufacturers managing expensive equipment production cycles and raw material costs.
HVAC manufacturers need full invoice value upfront with same-day funding and advanced technology integration.
For HVAC equipment manufacturers, FundThrough's 100% advance rate provides the complete invoice value immediately, enabling manufacturers to purchase expensive components like compressors, heat exchangers, and specialized materials without waiting for customer payments. This is particularly valuable for seasonal manufacturers who need to build inventory ahead of peak heating or cooling seasons.
Riviera Finance brings 55+ years of factoring experience to HVAC manufacturers, specializing in non-recourse factoring that protects businesses from customer payment defaults. This risk protection is crucial for HVAC manufacturers dealing with large commercial clients, general contractors, and property management companies who may face their own cash flow challenges.
HVAC manufacturers working with high-value commercial clients who need protection from customer payment defaults.
HVAC equipment manufacturers often work on large commercial construction projects where payment delays are common due to complex approval chains and lien waiver requirements. Riviera's non-recourse factoring protects manufacturers from these risks by assuming the credit risk themselves. This allows HVAC companies to confidently bid on large projects without worrying about client payment failures.
altLINE (The Southern Bank Company) offers HVAC equipment manufacturers competitive factoring fees starting at just 0.5% per 30 days. As an FDIC-insured direct bank lender, altLINE provides the financial stability and regulatory oversight that equipment manufacturers value when managing substantial working capital needs.
Cost-conscious HVAC manufacturers seeking competitive fees with bank-backed security and stability.
HVAC equipment manufacturing operates on thin margins, making cost efficiency critical. altLINE's competitive starting rate of 0.5% can save manufacturers thousands of dollars annually compared to higher-fee alternatives. The bank-backed structure provides additional security for manufacturers managing substantial equipment inventories and long production cycles.
Porter Capital provides HVAC equipment manufacturers with a dedicated manufacturing division and real human account managers, offering industry-specific expertise and personalized service. Founded in 1991, this family-owned company understands the unique challenges of equipment manufacturing, including seasonal demand, project-based revenue, and complex invoicing structures.
HVAC manufacturers seek industry-specific expertise with dedicated personal account management rather than automated systems.
HVAC equipment manufacturing involves complex factors that automated systems may not fully understand: seasonal inventory buildup, project-based revenue recognition, equipment warranty considerations, and installation service components. Porter Capital's dedicated manufacturing division provides account managers who understand these nuances and can structure factoring arrangements that accommodate HVAC-specific business models.
Triumph Business Capital offers HVAC equipment manufacturers the combination of high advance rates with no contract requirements, providing flexibility for businesses managing seasonal demand fluctuations and project-based revenue cycles. With significant transaction volume and the capacity to support manufacturers of all sizes, Triumph has the capacity to support manufacturers of all sizes.
HVAC manufacturers need flexibility with no long-term commitments while still receiving substantial invoice advances.
HVAC equipment manufacturers experience significant seasonal variations in demand, with peak periods for heating equipment in fall/winter and cooling equipment in spring/summer. Triumph's no-contract model allows manufacturers to scale factoring services up during peak seasons and reduce during slower periods without penalty. The high advance rate ensures substantial cash availability for inventory buildup during preparation periods.
eCapital leverages AI-powered processing to deliver fast funding, making it suitable for HVAC equipment manufacturers with urgent cash needs or those operating across multiple time zones, eCapital serves manufacturers ranging from mid-sized operations to large enterprises.
HVAC manufacturers require 24/7 funding availability and high-volume capacity with AI-powered efficiency.
HVAC equipment manufacturers often face time-sensitive opportunities, such as emergency replacement projects, last-minute commercial bids, or seasonal inventory purchases. eCapital's 24/7 funding availability ensures that manufacturers can respond to these opportunities without being constrained by traditional business hours. The AI-powered platform efficiently handles complex equipment invoices with multiple line items, warranties, and service components.
Universal Funding provides HVAC equipment manufacturers with competitive factoring rates starting at just 0.55% per 30 days, combined with rapid funding capability. This cost-effective solution is particularly valuable for manufacturers operating on tight margins who need to minimize financing expenses.
Cost-sensitive HVAC manufacturers seeking competitive factoring rates with rapid funding capability.
HVAC equipment manufacturing typically operates on narrow profit margins, making financing costs a critical factor in overall profitability. Universal Funding's competitive starting rate of 0.55% can result in significant annual savings compared to higher-fee alternatives. The rapid funding capability ensures that manufacturers can respond quickly to time-sensitive opportunities or urgent cash needs.
Scale Funding (formerly TCI Business Capital) offers HVAC equipment manufacturers the choice between month-to-month or discounted 12-month contract options, providing flexibility to match seasonal business cycles and project-based revenue patterns. With 30+ years of experience, Scale Funding understands the specific needs of equipment manufacturers.
HVAC manufacturers want contract flexibility to test services or accommodate seasonal business variations.
HVAC equipment manufacturers face significant seasonal variations, with different peak periods for heating and cooling equipment. Scale Funding's flexible contract options allow manufacturers to test factoring services with month-to-month commitments during initial periods, then lock in discounted rates with 12-month contracts once they've established their cash flow patterns. This flexibility is invaluable for managing the cyclical nature of HVAC manufacturing.
1st Commercial Credit offers HVAC equipment manufacturers a high advance rate, combined with competitive rates starting at 0.69% and no minimum funding volume requirements. This combination makes it particularly suitable for manufacturers with variable invoice volumes or those just starting with factoring services.
HVAC manufacturers seek substantial cash access with no minimum volume requirements and competitive rates.
HVAC equipment manufacturers often have variable invoice volumes due to project-based work, seasonal demand, and customer payment timing. 1st Commercial Credit's no-minimum requirement allows manufacturers to factor only the invoices they need without being locked into minimum monthly volumes. The 97% advance rate provides near-complete cash access, which is essential for managing expensive equipment production costs and raw material purchases.
Selecting the right invoice factoring solution for HVAC equipment manufacturing requires careful evaluation of your specific operational needs, cash flow patterns, and business growth trajectory. The HVAC manufacturing industry's unique challenges—including high equipment costs, seasonal demand fluctuations, extended commercial payment terms, and project-based revenue—demand factoring solutions purpose-built for these requirements.
For HVAC manufacturers seeking a comprehensive solution that addresses not just immediate cash flow needs but also long-term customer relationship management and operational efficiency, Resolve Pay's complete B2B payment platform offers a compelling approach. By combining non-recourse financing, net terms management, and AI-powered AR automation, Resolve enables manufacturers to offer competitive payment terms while protecting cash flow and reducing administrative overhead.
The non-recourse nature of Resolve's financing means HVAC manufacturers can confidently extend Net 30, 60, or 90-day terms to win commercial contracts without bearing the risk of customer payment failures. The white-label payment experience preserves manufacturer-customer relationships, while the integrated AR automation reduces the administrative burden on finance teams managing complex equipment invoices with multiple components, warranties, and service elements.
As the HVAC equipment manufacturing market continues to grow with increasing demand for energy-efficient climate control systems, having a factoring solution that scales with your business while maintaining operational efficiency becomes increasingly critical. Whether you're a small manufacturer just starting with factoring or an established company managing complex commercial projects, the right factoring partner serves as strategic infrastructure that supports sustainable growth and competitive advantage.
Resolve's seamless ERP integration with platforms like QuickBooks, Shopify, and Magento ensures that your payment data flows automatically between systems, eliminating manual reconciliation and reducing errors. For manufacturers managing seasonal demand cycles, the platform's flexibility enables you to scale financing up during peak periods while maintaining consistent cash flow throughout the year.
Traditional invoice factoring typically involves selling invoices to a third party at a discount, often requiring customer notification and maintaining recourse liability for unpaid invoices. Resolve's solution provides non-recourse financing where the platform assumes credit risk, offers white-label customer experiences that preserve manufacturer-customer relationships, and combines factoring with complete AR automation and net terms management in a single platform.
Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults for HVAC manufacturers. The platform uses proprietary AI models and expert underwriting to evaluate buyer creditworthiness, allowing manufacturers to offer net terms confidently without bearing the financial risk of customer payment failures.
Yes, Resolve offers seamless integration with leading ERP and accounting platforms including QuickBooks, Oracle, Shopify, BigCommerce, and Magento. The platform automatically syncs transaction data in real-time, reducing manual data entry and ensuring accurate financial records across your existing systems.
Yes, Resolve provides 100% non-recourse financing, meaning what you receive as an advance is always yours to keep regardless of whether your customer ultimately pays their invoice. This eliminates credit risk for HVAC manufacturers while providing immediate cash flow.
Resolve provides same-day funding for approved invoices, with cash deposited into your account within 24 hours of invoice submission. This rapid funding cycle addresses the urgent cash flow needs common in HVAC equipment manufacturing while customers maintain their standard payment terms.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.