Replace or upgrade — turn HVAC service calls into sales.

Mosaic financing options make high-quality HVAC systems more affordable for homeowners.

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12-month, no payment loans put higher-SEER systems in reach.

Offer 10-year or 15-year** term deferred-interest loans with no payments for 12 months* for 16-SEER and above systems.

Sell more high SEER systems.

Applies to both air conditioners and heat pumps.

20-year** loan term for geothermal systems also available.

Simple financing options to boost your business.

Contemporary home with an EV in the driveway

Homeowners go green

  • Home improvement financing up to $55,000
  • Longer terms available for lower monthly payments
  • Secure, transparent lending process
  • Near-instant pre-qualification decisions with only a soft credit check
HVAC service call

Contractors make green

  • Multiple financing programs to meet your company’s unique needs
  • Simple financing app for a smooth sales process
  • Near-instant pre-qualification decisions
  • Expert sales support and training

Don’t let customers settle for low SEER systems.

Your customers want reliable comfort, but many may be hesitant to purchase higher SEER systems because they come with a higher price point. With Mosaic, they don’t have to settle for a lesser-quality product or break their budget. See how offering affordable HVAC financing options can help homeowners afford the best.

Energy-Efficient Heat Pumps

Heat pumps are increasing in popularity due to their energy-saving capabilities — and potential to save homeowners approximately $1,000 per year on energy bills. Combine those savings with IRA rebates and flexible loan terms up to 15 years**, and you can make heat pump systems more affordable for your customers.

NOW OFFERING Geothermal Systems!

We make geothermal adoption easy for your customers. Offer up to 20-year loan terms** with no payments for 12 months* and affordable payment options. Help homeowners make their home’s energy clean, comfortable and efficient.

Take Advantage of Higher SEER Technology.

Advances in SEER technology have moved HVAC systems to higher and higher efficiencies, helping homeowners save money on their utility bills, while ensuring they play a vital role in furthering the clean energy movement.

Here are four quick facts on how HVAC systems keep your customers’ homes comfortable throughout all seasons and help them save on energy costs at the same time.

Why Mosaic?

Near-instant pre-qualification decisions, dedicated support teams and innovative financial products.

Mosaic experience

Mosaic has more experience than any other solar financing options platform.

Stip review

More than 90% of stip submissions are reviewed within 10 minutes via email or phone.

Multiple programs

One-size-fits-all financing doesn’t work, that’s why we offer multiple financial programs to meet your customers’ needs.

Matthew Krom

“My favorite thing about partnering with Mosaic is our ability to offer incredible competitive financing for our consumers while making the process seamless and stress-free. Mosaic has actually helped us grow our company because we get a lot of customers that will take a look at their financing options before they are even ready to buy and it’s amazing to see how much it helps them make a decision.”

Matthew Krom, RROC Exteriors

Mike Molloy

“Time is of the essence, we’re sales driven and we don’t have time to mess around with a million different apps. Mosaic’s ease of processing our applications is key, and we’re using Mosaic more and more because of that.”

Mike Molloy, SoCal Climate Control

Choose an industry leader.

Service technician on call

10- or 15-year** deferred interest loans with no payments for 12 months*.

Future-ready funding for heat pump and geothermal systems.

Near-instant pre-qualification decisions with only a soft credit check.

High approval rates backed by proprietary data.

Partnerships with top home improvement brands.

Diverse and stable ecosystem network.

Make your customers’ home more comfortable with financing options through Mosaic.

* No payments for 12 months – interest will be charged from the start of loan if the principal balance is not paid in full within the deferred interest period.

** Payment example: A 7 year, fixed-rate, $20,000 Deferred Interest loan with a 24.99% APR and a 12-month promotional period, would have 84 monthly payments of $601.92, starting after the end of the promotional period. Monthly payment amount may vary based on disbursement date(s).

Annual Percentage Rate (APR) in the example includes a 0.25% interest rate reduction for borrowers who sign up for automatic payments. Interest Rate and monthly payments will increase if the borrower changes the payment method.