FLEXIBLE HVAC PAYMENT OPTIONS
AFFORDABLE COMFORT STARTS HERE
Heating and cooling upgrades are an investment. Maximum Comfort Heating & Air Conditioning offers financing options for homeowners and businesses throughout San Diego County, helping make HVAC repairs and replacements more manageable.
RESIDENTIAL FINANCING
Explore flexible monthly payment options for home heating and cooling through Slice by FNBO.
Explore Residential Options → FOR BUSINESS OWNERSCOMMERCIAL FINANCING
Finance qualifying business HVAC equipment and installation projects through OPTIMUS Commercial.
Explore Commercial Options →RESIDENTIAL HVAC FINANCING
Maximum Comfort Heating and Air has partnered with Slice by FNBO to offer simple, transparent financing so you can get the comfort you need now and pay over time.
PAY OVER TIME — NOT ALL AT ONCE
If you qualify for financing with Slice, your project cost can be divided into affordable monthly payments as low as $99/month
- Quick online application
- Decision in minutes for most applicants
- Flexible monthly payment options
- Competitive rates with transparent terms
- No home equity or collateral required
- No prepayment penalties
ANOTHER WAY TO PAY
SAME-AS-CASH OPTION AVAILABLE
If qualified, Slice may offer a Same-As-Cash plan that lets you avoid interest charges when the balance is paid in full within the promotional period. Monthly payments are still required during this time.
Get the comfort you need now and pay over time.
All financing is subject to credit approval and applicable lender terms. The $99/month example is not a guaranteed payment.
SIMPLE ONLINE PROCESS
HOW SLICE FINANCING WORKS
The application process is designed to make exploring payment options easy.
Apply online using our secure link or QR code
See your available loan options (if approved)
Choose the payment plan that fits your budget
Sign documents electronically
Approve funding as work is completed
Make convenient monthly payments
INVEST IN YOUR COMFORT
WHY WE OFFER FINANCING
Financing helps make larger repairs or system replacements manageable — so you don’t have to delay important comfort or safety improvements.
REDUCE UPFRONT COSTS
Spread qualifying project costs into scheduled payments instead of paying the full amount at once.
UPGRADE YOUR EQUIPMENT
Upgrade to better, more efficient equipment that fits your home and comfort needs.
HANDLE UNEXPECTED BREAKDOWNS
Handle unexpected breakdowns without financial strain.
NEW COMMERCIAL FINANCING OPTIONS
COMMERCIAL HVAC FINANCING
Keep your business comfortable without tying up all your working capital.
Maximum Comfort Heating & Air Conditioning now offers access to commercial equipment financing through OPTIMUS Commercial.
Whether you're replacing an aging air conditioner, upgrading a rooftop HVAC unit, or installing new heating and cooling equipment, commercial financing can help qualified businesses move forward with planned improvements.
Payment options may be available for restaurants, offices, medical facilities, retail stores, salons, churches, schools, and other qualifying commercial properties.
Financing is subject to lender approval. Loan terms, rates, and eligibility vary.
OPTIMUS COMMERCIAL
COMMERCIAL PROGRAM HIGHLIGHTS
- Financing options for qualifying projects from $5,000 to $1 million
- Available repayment terms from 12 to 84 months
- Building ownership not required for eligible applicants
- Convenient online application
- Decisions may be available in as little as 1–2 hours
- Eligible labor, materials, permits, and installation costs may be financed
- No blanket liens or real estate security under the advertised program
Program highlights reflect OPTIMUS materials. Specific offers and requirements are subject to lender review.
BUSINESS EQUIPMENT SOLUTIONS
WHAT CAN COMMERCIAL FINANCING COVER?
Commercial financing may cover more than the equipment itself. Eligible projects can include installation expenses and related improvements.
HEATING & COOLING SYSTEMS
Qualifying commercial air conditioning, heating, and heat pump equipment.
ROOFTOP HVAC EQUIPMENT
Replacement and installation of eligible packaged HVAC and rooftop equipment.
INDOOR AIR QUALITY
Eligible ventilation, filtration, and indoor air quality upgrades.
INSTALLATION LABOR
Qualifying professional installation and associated project labor costs.
PERMITS & MATERIALS
Eligible materials, permit expenses, and associated project requirements.
ADDITIONAL PROJECT COSTS
Certain crane expenses and extended warranty costs may qualify for financing.
All commercial projects are subject to Maximum Comfort's service scope, lender eligibility, and final written project estimates.
COMMERCIAL APPLICATION PROCESS
HOW OPTIMUS FINANCING WORKS
Explore your available options through a straightforward commercial financing application process.
APPLY ONLINE
Submit your business and project information through the secure OPTIMUS application.
CREDIT REVIEW
Your application is assigned for credit review. A project quote or invoice may be requested.
RECEIVE A DECISION
A participating lender communicates the credit decision and available financing terms.
REVIEW DOCUMENTS
If approved, review your financing agreement and sign documents electronically.
COORDINATE YOUR PROJECT
Work with Maximum Comfort to finalize the equipment and installation details.
MOVE FORWARD
Once financing arrangements and project requirements are completed, installation can be scheduled.
POTENTIAL BUSINESS TAX BENEFITS
SECTION 179 & HVAC EQUIPMENT
Some commercial heating and cooling equipment may qualify for tax deductions under Section 179 or other applicable depreciation provisions.
Depending on your business, qualifying equipment purchases may provide tax benefits in the year the equipment is placed into service.
Eligibility depends on the equipment, installation, business use, and applicable IRS rules.
REVIEW IRS DEPRECIATION GUIDANCEIMPORTANT TAX INFORMATION
Financing a commercial HVAC project does not automatically qualify your business for a deduction.
Maximum Comfort and OPTIMUS do not determine your tax eligibility. Consult your accountant or tax advisor to understand whether Section 179 or other provisions apply to your project.
This information is provided for general educational purposes and is not tax or legal advice.
EXPLORE OUR HVAC SERVICES
FINANCING AVAILABLE FOR:
Whether you're replacing an outdated air conditioner or planning a complete heating and cooling upgrade, explore our HVAC services and ask about financing options for your project.
Financing availability and eligibility depend on the residential or commercial program and the specific project.
FREQUENTLY ASKED QUESTIONS
HVAC FINANCING FAQS
Do you offer financing for residential and commercial HVAC projects?
Yes. Maximum Comfort offers access to residential financing through Slice by FNBO and commercial equipment financing through OPTIMUS Commercial. Each program has separate approval requirements and terms.
Can I finance a new air conditioner or heat pump?
Financing options may be available for qualifying air conditioner, heat pump, furnace, and ductless mini split installations. Contact our team to discuss your specific project.
Does Slice require home equity or collateral?
Slice residential financing does not require home equity or collateral under the program described on this page. Final eligibility and terms are determined by the lender.
Does Slice offer a Same-As-Cash option?
If qualified, Slice may offer a Same-As-Cash plan. Interest charges may be avoided if the balance is paid in full within the applicable promotional period. Monthly payments are still required.
Do I need to own my commercial building to apply?
Not necessarily. OPTIMUS Commercial indicates that building ownership is not required for eligible applicants. Landlord permission or other project approvals may still be necessary.
How much can a business finance?
OPTIMUS Commercial advertises financing options for qualifying projects from $5,000 to $1 million, subject to lender review, credit approval, and current program guidelines.
Can installation costs be included in commercial financing?
Eligible commercial projects may include qualifying labor, materials, permits, and related installation expenses. Ask about the requirements for your specific project.
Will financing affect my ability to schedule an HVAC installation?
Financing approval and project scheduling are separate steps. Our team can help coordinate your estimate, equipment selection, and installation timeline once the necessary arrangements are complete.
MAXIMUM COMFORT HEATING & AIR CONDITIONING
QUESTIONS ABOUT HVAC FINANCING?
Whether you're planning a residential system replacement or upgrading HVAC equipment for your business, our team can help you explore the next steps.
Contact Maximum Comfort today to discuss your project, request an estimate, or learn more about available financing options.