Financing
Making Quality HVAC Work Accessible
At SMI HVAC Services, we understand that heating and cooling repairs or replacements are not always planned. When a system fails or needs upgrading, you should not have to delay the work due to upfront costs. That is why we offer financing through FTL Financing for qualified clients across Santa Maria, Santa Barbara County, and nearby regions.
Whether you are a homeowner in need of a new furnace or a business owner replacing a rooftop unit, we can help make the cost more manageable without sacrificing the quality or reliability of your system.
How HVAC Financing Works
We make the process of financing simple and straightforward. Here is what to expect:
Step One: Contact Us
Let us know you are interested in financing when you call or email to request service. We will assess the scope of your project and confirm eligibility for financing.
Step Two: Receive a Detailed Estimate
We will inspect your system and provide a detailed, itemized estimate of the work needed. This helps you understand exactly what is included.
Step Three: Apply Through FTL Financing
Our team will walk you through the application process or provide the resources you need to apply directly through FTL. Most applications are completed online and take just a few minutes.
Step Four: Select a Payment Plan
If approved, you will be able to choose from available payment plans based on your credit profile. Terms vary depending on the size of the project and length of repayment.
Step Five: Schedule the Work
Once financing is approved and confirmed, we schedule your service just like any other project — with the same high standards of professionalism and care.
Benefits of Financing With SMI HVAC Service
Financing through SMI HVAC Services offers clear advantages:
- No delay in getting critical HVAC work done
- No need to use high-interest credit cards or dip into emergency savings
- Flexible plans tailored to your budget
- Transparent process with support at every step
- No surprises — you will always know what to expect
We believe in honest service and straightforward communication, and that includes how we handle financing.
Frequently Asked Questions About HVAC Financing
Do I need perfect credit to qualify?
No. FTL Financing offers a range of options based on your credit profile. We can help you find a plan that works for your situation.
Is a down payment required?
In some cases, a small down payment may be requested. We will explain all costs up front so there are no surprises.
How long does approval take?
Most applications are processed quickly. In many cases, you will receive a decision within the same business day.
Can financing be used for duct or vent work?
Yes. If the work is part of a broader HVAC project or meets the minimum amount for financing, it may be eligible.
Does financing delay the project start date?
Not usually. Once approved, we can schedule the work promptly.
What HVAC Services Can Be Financed?
We offer financing options for a wide range of HVAC services. Qualifying customers may use financing to cover:
- Complete HVAC system replacements
- New air conditioning or heating installations
- Major repairs requiring new components
- Commercial system upgrades or rooftop units
- Ductwork redesign and replacement
- Ventilation and indoor air quality system installations
- Multi-zone system configuration for large residential properties
If your project involves essential heating, cooling, or ventilation, there is a good chance it can be financed.
Who Is Financing For?
Our financing program is available to both residential and commercial clients who qualify through FTL Financing. We regularly help:
- Homeowners replacing old or failing systems
- Seniors living on fixed incomes who need urgent repairs
- Property managers updating older units in rental properties
- Restaurant and hospitality businesses investing in compliance-grade equipment
- Laboratory and healthcare facilities installing or upgrading specialty HVAC systems
- Estate homeowners managing commercial-grade systems in large residential properties
Whether you are dealing with an emergency or planning a long-term upgrade, we will help you understand your options.
Ready to Apply or Learn More?
If you are facing an HVAC project that exceeds your current budget, do not put it off. Reach out today to ask about financing through FTL. We will guide you through the process and help you make a confident decision about your system and your investment.
