Heat Up Your Bottom Line: Why Lease-to-Own Financing is the Hot Ticket for HVAC Contractors

Heat Up Your Bottom Line: Why Lease-to-Own Financing is the Hot Ticket for HVAC Contractors


Dayco Systems Heating & Cooling, located in Acworth, Georgia, is another contracting business benefiting from offering lease-to-own financing options. According to Sammy Williams, sales manager, Dayco Systems has been offering these options to customers since April, and has seen a 5% to 10% increase in sales as a result.

“We’ve found that lease-to-own works best when positioned as a fallback solution — it’s leveraged for clients who can’t get approved through our primary financing option,” Williams says. “Presenting it as a way to still move forward despite credit challenges helps ease hesitation.”

While the company doesn’t yet market this type of financing, Williams notes it is coming soon. “As we prepare to highlight lease-to-own specifically in our marketing, we’re excited about the potential to reach an even wider audience — especially homeowners who may not qualify through traditional lenders. We believe it’ll be a strong addition to our lead generation strategy and a great way to show customers that flexible, affordable comfort is within reach.”

Williams points to the approval speed and customer satisfaction as benefits of working with Breeze.

“It’s near instant approvals, often within minutes,” he notes. “This is a huge advantage over traditional financing partners that may take hours — or even days — for a decision. The quick turnaround helps us keep momentum during sales calls and prevents customer drop-off. And our customers appreciate how simple and transparent the process is. There’s no hard credit pull, minimal paperwork, and clear terms, which builds trust. Plus, the lease-to-own structure helps more customers qualify, especially those with less-than-perfect credit. Overall, Breeze has contributed to smoother transactions and more happy homeowners.”

In the two months since Edinburg, Texas-based JC Air Conditioning & Heating has partnered with Breeze Lease, lost sales have decreased by 15%.

Sylvia Chasco of JC Air Conditioning & Heating also notes the company is in the process of changing its marketing strategy to include lease-to-own financing. Chasco sees the growth potential in offering this type of financing so much so that she would like to gatekeep it from the rest of the industry.

“Breeze is such a game changer for customers who, in the past, have little to no option for financing,” she says. “We want to be the only ones out there to have this option!”

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