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Keep your DFW business running without draining your cash flow. Flexible financing with Local Refrigeration & HVAC for HVAC, refrigeration, and commercial kitchen equipment upgrades.
Why Choose OPTIMUS Commercial Financing?
Find the best rate and terms without submitting multiple applications or hurting your credit.
Credit approvals in as little as 2 hours for projects up to $250,000. Many applications are approved the same day.
Financing available from $5,000 up to $1 million — sized to your project, not a bank's preference.
Whether you lease or own your space, you can qualify for financing.
Choose repayment options that fit your cash flow and budget.
Commercial and residential projects qualify — even if you've been turned down elsewhere.
Commercial financing through OPTIMUS helps qualifying businesses move forward with projects while preserving working capital and cash flow. Flexible terms and fast approvals make it easier to handle larger repairs, replacements, and upgrades without large upfront costs. Terms are available for qualifying businesses with financing options from $5,000 to $1,000,000.
As a certified OPTIMUS partner, we give our commercial clients direct access to the OPTIMUS Commercial Pathway — powered by industry-leading lenders including Navitas Credit Corp., a wholly owned subsidiary of United Community Bank, and Tandem Finance, a trusted provider across all credit tiers. These lenders specialize in commercial HVAC/R financing and bring deep expertise, flexible underwriting, and a personalized approach that understands the demands of your industry.
Credit decisions are typically delivered in less than two hours on applications under $250,000, so your project doesn’t have to wait. Financing terms range from 1 to 6 years for equipment, with options including seasonal payment structures, up to 90-day deferrals with zero down, and new business financing welcomed. Rates can be as low as 3.49% for larger transactions, making it one of the most competitive commercial financing solutions available in the HVAC market today.
Whether you’re replacing aging equipment, expanding your facility, or taking on a major system upgrade, OPTIMUS commercial financing helps you get it done — on your timeline, without draining your reserves.
Click the green button and apply in seconds
Get matched to the best lender for your project
Get approved Financing with Local Refrigeration & HVAC and sign
Section 179 Tax Benefits for Businesses
Many businesses take advantage of tax benefits when financing eligible equipment and projects. Financing with Local Refrigeration & HVAC is easy and fast!
Download the PDF calculator to explore potential savings and see how financing and tax advantages may work together for your business. *Please consult your tax professional regarding Section 179 eligibility.
Section 179 of the IRS Tax Code allows businesses to deduct the full purchase price of qualifying equipment in the year it is placed in service. That means you can invest in the tools your business needs while reducing taxable income immediately. The deduction lets you access all tax benefits upfront without a large cash outlay. Businesses may deduct up to $2.5 million, with the phase-out beginning at $4 million. Phase-out begins at $4M. 100% bonus depreciation may also be applied. Applies to new or used equipment (must be new to your business). Equipment must be purchased and placed in service by December 31, 2026. Immediate write-offs will help reduce taxable income this year.
