Contact us for a FREE installation quote!


Easy, Simple Financing


 FTL Finance provides an easy, simple financing product for both the consumer and the contractor. Financing is an excellent option to allow consumers to purchase better, more efficient equipment, reserve their credit capacity and have a quick solution for an emergency. Choose FTL Finance for Easy, Simple Financing. 

FTL Finance for Residential HVAC



FTL Finance offers convenient fixed interest rate financing for residential HVAC (heating, ventilation, and air conditioning) equipment purchases. Our outstanding customer service provides rapid turnarounds and fair evaluations of entire credit histories, not just score.

FTL Finance specializes in lease financing of HVAC equipment for residential properties since 1996. By working with contractors across the country we have built a rapid response financing system customized to your needs.

What FTL Finances



  • Furnaces
  • Air Conditioners
  • Condensers
  • Coils
  • Air-Handlers
  • Tank-less Water Heaters
  • Humidifiers
  • Heat Pumps
  • Boilers
  • Water Heaters

FTL Finance Lease


If you choose a FTL Finance Lease with regular monthly payments, you will receive a payment coupon book within 2 weeks of your installation. There are no prepayment penalties. You choose loan periods ranging from 36-84 months (the longer the time period lowers the monthly payment).

The FTL ESC Card


If you choose the ESC credit card, you will receive a monthly statement. The ESC card has a 6 month no interest option. The FTL ESC Card can finance your service only projects.

FTL Finance FAQs


 How do I make payments?

You can mail payments to FTL, pay online or by phone at no charge.

 What forms of payments are accepted?

Checks, money orders, debit/credit cards.

 Are their any penalties for paying off early?

No, there are no prepayment penalties.