An HVAC shop bridges a $400K gap.
A seasonal cash crunch, an 11-day close, and a broker fee shown up front. Here’s the full breakdown — numbers and all.
A busy season they couldn’t afford to staff
Lone Star Comfort Systems books most of its year between May and September, when Texas heat makes air conditioning non-negotiable. The problem is timing: payroll for a doubled summer crew and a warehouse full of equipment both come due before the invoices for that work get paid.
In a strong year that gap is around $400,000 — money the business will absolutely earn, just not for another sixty days. The owner had been covering it with a patchwork of credit cards and a slow line that couldn’t scale with the crew.
One soft pull, three real offers
A four-minute application and a Plaid bank link were enough to underwrite the file. Within a day, three lenders came back with priced offers — a revenue advance, a line of credit, and a fixed term loan.
The advisor walked through all three on a call. With predictable seasonal revenue and a clean two-year history, the term loan was the lowest cost of capital and the easiest to budget around — one fixed payment, repaid by winter.
Product usedTerm LoanFunded in 11 days, repaid by winter
The crew was fully staffed for peak season, the warehouse was stocked, and the loan was structured to clear as the summer invoices landed.
I knew the money was coming in August. Emet got me to August without bleeding the business dry — and showed me their cut before I signed a thing.
Owner, Lone Star Comfort Systems
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