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HVAC & heat pumps · Ireland
HVAC & heat pump
business loans.
Heating, ventilation and air conditioning is one of the fastest-changing trades in Ireland. Well-insulated modern homes with high Building Energy Ratings increasingly need cooling or heat pump reverse-cycle systems to manage trapped solar heat during warm spells — on top of the retrofit and commercial work already out there. We help Irish HVAC firms compare asset finance, working capital and term loans through specialist lenders.
Asset finance for vans and equipment
Spread the cost of the vehicles and kit the business runs on instead of paying for them in one go.
- Hire purchase or leasing for suitable new or used assets
- Vans, vacuum pumps, recovery units, manifold gauges, leak detectors and lifting gear
- Leasing with no deposit on smaller items, and finance on suitable vehicles from €10,000
- A supplier quote helps us compare the options
- In some cases, loans secured on equipment you already own can work — assessed case by case
Working capital for materials and busy periods
Cover heat pumps, air conditioning units, ducting and refrigerant bought ahead of installation, and bridge the gap while commercial clients pay on terms.
- Short term finance from 90 days trading for card or regular deposits
- Unsecured term loans from €5,000 to €500,000 for established firms
- Fund a bulk buy of units ahead of a busy installation season
- Bridge the gap while commercial and contractor clients pay on 30, 60 or 90-day terms
- Repayments matched to how the work comes in
Term loans for growth
Fund an apprentice or engineer hire, a premises move, certification or a marketing push and repay on a fixed schedule.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Firms from around 9 months trading with steady deposits (about 8 a month) can look at flexible repayment loans instead
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Equipment-secured loans are assessed case by case.
Why HVAC firms come to us
A growing trade with money tied up in every job
The work is changing fast. Retrofits and heat pump installs are steady, commercial ventilation and air conditioning contracts keep growing, and a newer trend is emerging: well-insulated, high-BER homes that trap solar heat in warm spells now need cooling or reverse-cycle systems too. Each job means units, ducting and refrigerant bought upfront, engineers paid weekly, and commercial clients paying on 30, 60 or 90-day terms.
Asset finance spreads the cost of vans and specialist kit over their working life, working capital covers stock and wages through busy installation periods, and a term loan funds a hire, a premises move or certification on a fixed schedule.
Coming from a different angle? Our asset finance page explains how equipment funding works, the solar & heat pump installer page covers grant-linked working capital, and the trades page looks at funding across the trades more broadly.
Guides for your industry
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
28 October 2026
Funding for Irish Tradespeople: Your Options Explained
Unsecured loans, asset finance, van finance and sole trader lending explained for plumbers, electricians, carpenters and other Irish trades.
Read guide →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
Read guide →
Common questions
Can I finance vans and specialist HVAC equipment?
Yes. Asset finance spreads the cost of suitable new or used assets — vans, vacuum pumps, recovery units, gauges, leak detectors and lifting gear — over their working life, with hire purchase or leasing options. A supplier quote helps us compare the options.
Can I borrow to buy heat pumps and units ahead of installation?
Yes. Working capital finance can cover units, ducting and refrigerant bought ahead of a busy installation period, so a full order book doesn't drain the bank account before customers pay.
Is demand for cooling really growing in Ireland?
It is. Modern well-insulated homes with high BER ratings trap solar heat during warm spells, so more homeowners are fitting cooling or reverse-cycle heat pump systems. For HVAC firms that means a growing installation season — and more money tied up in stock and wages before invoices are paid.
What do lenders look for?
For unsecured term loans, lenders typically want at least 12 months trading with one year's accounts, turnover of €100,000 or more, a net profit and clean recent bank statements. Limited company, Sole trader, Partnership accounts can all work.
Free to you. Lenders pay us a commission when your loan completes. How we get paid