Capture more clients with flexible HVAC financing

Allow your customers to pay with convenient monthly payments

How It Works

  • 1.

    Get a tailored proposal

    Since offering flexible payment options isn’t a one size fits all approach, we’ll kick things off by understanding your needs and developing a custom financing program that’s suitable for your business. Our goal is to offer your clients the best financial freedom they need for home improvement.

    Contact Us
  • 2.

    Apply to become a client

    After working with us to identify your special requirements and getting all of your queries (if any) answered, the next step will be to apply to become a client and officially become a part of the Time Investment family. This is done online with a simple application process.

    Apply Here
  • 3.

    Start submitting loans

    Once your application to become a client is approved, we’ll provide you with personalized training. Whether your clients need an air conditioning fix, heat pump, or a new HVAC system, you’ll start submitting and tracking their applications in no time.

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What We Can Do For You

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As a business that specializes in HVAC, you could potentially onboard a significant batch of new customers by offering flexible financing options.

And the best part? By partnering with Time Investment, you won’t have to do any legwork, because we’ll look after the entire process for you.

Whether you specialize in installing just air conditioning systems, new heating systems, or full HVAC units, it doesn’t matter – we’ll offer swift financing to your clients at the most reasonable terms.

From overseeing the applications to assuming all the risk, with our HVAC financing options, your customers can cool off, while you can focus on scaling your business.

Why Choose Time Investment

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Apart from the raving fan customer service, there are a lot of other compelling reasons to choose the special financing service of Time Investment.


Some of them include:

1. Rapid-fast loan application process (resulting in more sales)

2. Programs catering to different credit scores

3. Automatic payments from customers


And that’s just the tip of the iceberg.


Being a family-owned and operated business since 1981, we have stayed true to our approach of cultivating long-term relationships with both our partners and distributors (loan lenders).

When a business signs up for Time Investment’s HVAC financing, they’re not perceived as “just another client” – instead, we consider them as an esteemed partner and go above and beyond to ensure that we offer quick credit approvals and plans with low monthly payments.

We’re especially proud of our “raving fan” customer service, which has helped us create positive relationships with our partners.

In fact, 95% of our customers come exclusively from word-of-mouth, which is a testament to the untiring efforts of our customer service, dealer, and collections departments.

Our partners love the work that we do

Read what our clients have to say about their experiences working with Time Investment.

Learn More

We have been working with TIC since 2008. The reason we use them is the personal service we receive. TIC owners John, Mike, and Tom are involved in the daily business. They make it real easy for the dealer and customer.

Steve, Culligan Water

My favorite part about TIC has been the continued support I receive from the folks that man the dealer services phones, and specifically from my dealer rep. My colleagues at TIC have a seemingly unlimited supply of patience for me. I value that team-oriented spirit and feeling that I get from TIC. I never feel like I’m alone, when using their service.

David, Allied Remodeling

Frequently Asked Questions

  • Is Time Investment a personal loan provider?

    Time Investment is a third party lender/financing company that specializes in providing flexible customer financing solutions. We work with third-party dealers/distributors to provide financing to the customers of our partners at competitive interest rates.

  • What financial products does Time Investment offer?

    We specialize in offering consumer financing through installment loans – perfect for a business offering HVAC services/products. Furthermore, we offer revolving lines of credit to cater to niches, where customers engage in ongoing or repeat transactions.

  • How exactly does consumer financing work?

    With consumer financing, your customers don’t have to worry about paying for HVAC services upfront and breaking their bank accounts. Instead, they can pay for these services and other high-ticket items through convenient monthly payments.

  • Is there a special requirement to partner with Time Investment?

    As of now, we only serve clients in the home improvement (that includes you), medical, energy savings/conservations, memorial monuments and services, water filtration, home food services, and cookware industries in the United States.

  • What credit scores do my customers need to get approval for financing?

    Another great thing about the HVAC financing from Time Investment is that it doesn’t matter if your client has a good or bad credit – our comprehensive financing program caters to a wide range of tiers. By offering flexible plans for prime, non-prime, and even no credit customers, we’ll make sure that none of your prospects are left out and that you maximize your sales.

  • What makes Time Investment so special?

    One thing that makes Time Investment stand out is our top-of-the-line customer service. Our experts will be there to assist you with everything – offering the best advice and always keeping your best interests in mind.