Financing for HVAC, refrigeration and energy upgrades
Don’t let a big repair or a replacement wait on cash flow. We offer financing for homeowners and businesses through EGIA’s OPTIMUS program, with one application and several lenders behind it.
For homeowners
Heat pumps, furnaces, AC, mini-splits, boilers, water heaters and indoor air quality upgrades.
- Send us a quick note and we’ll reach out about financing for your project
- No cost and no obligation to ask
- Plans for a range of credit profiles
- Pay the way that fits your budget
For businesses
Rooftop units, VRF, refrigeration, controls, boilers, IAQ and energy upgrades, plus the labor, permits and crane time that go with them.
- Projects from $5,000 to $1 million
- No financial statements required up to $250,000
- You don’t have to own the building
- No blanket liens or real estate security
- Credit decisions in as little as 1–2 hours
- Terms from 12 to 84 months
What you can finance
- HVAC replacements and new systems
- Heat pumps and electrification projects
- Commercial refrigeration: walk-ins, condensing units, ice machines
- Controls and building automation
- Indoor air quality: filtration, ventilation, ERVs
- Energy efficiency upgrades tied to Clean Buildings compliance
- The whole project, not just equipment: labor, permits, materials and crane costs
How it works
Get your proposal
We scope the job and give you a written price.
Apply online
Use the link above. It takes a few minutes.
Pick your plan
The lender gives you your options and full terms. You choose.
We do the work
We schedule the job and the lender handles payment.
A note for business owners on taxes
Equipment you finance may qualify for tax treatment like Section 179 expensing, depending on your situation. We’re not tax advisors, so check with your CPA before you count on it.
Common questions
Do you offer financing for commercial HVAC?
Yes. Through EGIA’s OPTIMUS Commercial program, businesses can finance HVAC, refrigeration, controls, IAQ and energy projects from $5,000 to $1 million, including labor, permits and crane costs. Credit approval required.
Do I need to own the building to finance commercial equipment?
No. According to the OPTIMUS Commercial program, building ownership is not required.
Can homeowners finance a heat pump or furnace?
Yes. Homeowners can apply online through our OPTIMUS link and see which lenders and plans they qualify for. Approval and terms are up to the lender.
Who is the lender?
OPTIMUS is a platform run by EGIA that connects you with third-party lenders. Omni Mechanical is not a lender. Your lender gives you the full terms before you sign.
Financing is offered through the OPTIMUS platform by EGIA, which connects customers with third-party lenders. Omni Mechanical is not a lender and OPTIMUS is not a bank or lender. All financing is subject to credit approval by the lender, and not everyone will qualify. Rates, terms and payment amounts are set by the lender and depend on your credit and the plan you choose; your lender will give you the full terms, including the annual percentage rate, before you sign. Commercial financing is for business purposes only.
Ready when you are
Questions about financing a project? Call us or send a request and we’ll walk you through it.
Licensed, bonded & insured · WA Contractor License OMNIMMI779PR · WA Electrical Contractor (HVAC/Refrigeration) EC OMNIMMI740OS · Commercial financing available