HVAC Contractor Case Study | Delta Capital Group
Client: Roberts Heating & Cooling Industry: HVAC Contracting Years in Business: 7 Employees: 14 Funding Need: $150,000 Time from Application to Funding: 30 hours
The Business Challenge
Mike Roberts built his HVAC company from the ground up. Starting with just a van and a toolbox seven years ago, Roberts Heating & Cooling had grown into a respected local business with 14 employees serving residential and light commercial clients throughout the county.
When a major commercial property management company approached Mike about taking over the HVAC maintenance contracts for their eight office buildings, it represented a game-changing opportunity. The contract would increase his annual revenue by approximately 35% and establish his company in the commercial sector.
The challenge? The property management company needed him to start within two weeks, which meant Mike needed to:
- Purchase two additional service vans ($78,000)
- Acquire specialized commercial HVAC diagnostic equipment ($42,000)
- Hire and train two additional technicians (requiring cash flow for training and initial payroll)
- Purchase initial parts inventory for common commercial system repairs ($25,000)
In total, Mike estimated he needed about $150,000 to properly prepare for the contract. While his business was profitable, most of his working capital was already allocated to existing operations and ongoing residential projects.
Tuesday, 9:17 AM: The Initial Contact
Mike had previously worked with Delta Capital Group for smaller funding needs, so he sent a quick email to his dedicated funding representative, Paul Miller.
From: Mike Roberts
To: Paul Miller, Delta Capital Group
Subject: Need $150K funding ASAP for major contract opportunity
Paul,
Just got offered a major commercial maintenance contract that would increase our annual revenue by 35%. Need to purchase vehicles, equipment, and inventory ASAP. Looking for approximately $150K with fast turnaround.
Can you help? Need to give them an answer by end of week.
Thanks, Mike
Tuesday, 9:20 AM: The Immediate Email Response
Just three minutes after Mike sent his email, Paul replied:
From: Paul Miller, Delta Capital Group To: Mike Roberts Subject: Re: Need $150K funding ASAP for major contract opportunity
Mike,
I’ll call you just after 10 and we will get working on it.
Paul
Tuesday, 10:03 AM: The Detailed Call
As promised, Paul called Mike to discuss his needs in detail. Instead of a lengthy questionnaire or complex application process, he focused on understanding:
- The specific opportunity and its potential return on investment
- The exact funding requirements and intended use of funds
- The current financial position of Roberts Heating & Cooling
- The timeline for implementation
Paul explained that given Mike’s existing relationship with Delta Capital Group and his business’s strong performance history, he could expedite his application through their VIP channel.
Tuesday, 11:30 AM: Digital Application Submission
After their call, Paul sent Mike a secure link to Delta Capital Group’s streamlined digital application portal. The system was pre-populated with Roberts Heating & Cooling’s basic information, requiring Mike to simply:
- Verify existing business information
- Upload his most recent three months of business bank statements
- Confirm the funding amount and purpose
- Digitally sign the application
Due to his existing relationship with Delta Capital Group, Mike didn’t need to provide extensive documentation. The entire application process took him less than 15 minutes to complete.
Tuesday, 2:45 PM: Application Review and Preliminary Approval
Just over three hours after completing his application, Mike received a text message from Paul:
“Great news! Your application has received preliminary approval. Our underwriting team is reviewing final details. Expect formal terms by EOD. Looking good for your timeline!”
Mike was impressed by the speed, but even more by the proactive communication. Unlike his experiences with traditional banks, where he often had to call repeatedly for updates, Paul kept him informed at every step.
Tuesday, 4:38 PM: Formal Offer Presentation
Paul scheduled a brief Zoom call with Mike to present the formal funding offer. The terms included:
- $150,000 funding amount
- 18-month term
- Competitive fixed rate
- No prepayment penalties
- Simple daily payment structure
During the call, Paul walked through:
- The exact payment amounts
- Total cost of capital
- Repayment schedule
- Documentation requirements for final approval
- Timeline for fund disbursement
He explained that if Mike decided to move forward, funds could be in his account as early as Thursday morning.
Wednesday, 9:15 AM: Decision and Acceptance
After discussing the opportunity with his operations manager and reviewing the contract numbers once more, Mike decided to accept the funding offer. He notified Paul via text message:
“We’re a go on the funding. Terms look good.”
Within minutes, Paul responded:
“Excellent! I’ll send the final documents for signature right away. Still on track for Thursday funding.”
Wednesday, 10:30 AM: Digital Document Signing
Mike received an email with a secure link to Delta Capital Group’s digital document signing platform. The final agreement was clearly organized with highlighted sections requiring signatures and initials.
The platform allowed Mike to:
- Review all documents from his smartphone
- Zoom in on specific sections for better readability
- Sign electronically with a finger or stylus
- Save a complete PDF copy for his records
The entire signing process took less than 10 minutes, and Mike received immediate confirmation when all documents were properly executed.
Wednesday, 12:45 PM: Expedited Funding Call
Just two hours after submitting the signed contract, Mike received an unexpected call from Paul and an underwriter from Delta Capital Group.
“Great news, Mike. We’ve expedited your funding and are ready to release it immediately,” Paul explained.
Mike was surprised. “I thought you said we had to wait until Thursday?”
“We expedite within 2 hours for preferred clients,” Paul replied. “The money will be in your account within the next 30 minutes.”
The underwriter confirmed all details were in order and processed the funds transfer while still on the call with Mike.
Wednesday, 1:22 PM: Funding Confirmation
While still at a job site, Mike received both a text message and an email confirming that the full $150,000 had been deposited into his business checking account. The notification included:
- Confirmation of the exact amount transferred
- Reminder of the first payment date
- Contact information for ongoing support
- Link to his client portal for account management
Wednesday, 2:15 PM: The Green Light
With funding secured, Mike immediately:
- Called the vehicle dealer to confirm purchase of the two service vans
- Placed the order for the diagnostic equipment
- Contacted the two technicians he wanted to hire
- Called the property management company to formally accept the contract
The Result: Seamless Growth
With the $150,000 funding from Delta Capital Group, Roberts Heating & Cooling was able to:
- Take on the commercial maintenance contract that increased annual revenue by 35%
- Expand their service fleet from 5 to 7 vehicles
- Add specialized commercial capabilities to their service offerings
- Hire and train two experienced commercial HVAC technicians
- Create a dedicated commercial division within their company
The additional monthly revenue from the new contract more than covered the funding payments, resulting in immediate positive cash flow.
Key Factors in the 48-Hour Funding Success
Several elements contributed to the speed and efficiency of Mike’s funding experience:
1. Existing Relationship
As a returning Delta Capital Group client with a solid payment history, Mike benefited from expedited processing and reduced documentation requirements.
2. Early-Month Timing
By applying early in the month (first Tuesday), Mike’s application avoided the end-of-month processing surge that often affects funding timelines.
3. Complete Application
Mike provided all requested documentation in the initial application, eliminating time-consuming back-and-forth information requests.
4. Digital-First Process
Delta Capital Group’s secure digital application and document signing platforms eliminated delays associated with printing, signing, scanning, and mailing physical documents.
5. Dedicated Representative
Having Paul as his single point of contact throughout the process ensured consistent communication and personalized service.
Mike’s Perspective: Six Months Later
Six months after securing funding, Mike shared his experience:
“The speed was impressive, but what really stood out was how seamless the entire process felt. From Tuesday morning email to Wednesday afternoon funding, I never had to chase updates or wonder where things stood. Paul kept me informed every step of the way.
The commercial contract has transformed our business. We’ve already expanded the agreement to include two additional properties, and we’re projecting 50% growth this year. None of this would have been possible without the rapid funding from Delta Capital Group.
Traditional bank financing would have taken weeks, if not months—and we would have lost the opportunity. Having a funding partner who understands the time-sensitive nature of business opportunities has become a competitive advantage for us.”
Is Your Business Ready for Opportunity Funding?
Like Mike Roberts, many business owners face time-sensitive opportunities that require quick access to capital. Delta Capital Group specializes in providing funding solutions with:
- Application to funding in as little as 2-24 hours
- Funding amounts from $25,000 to $5 million
- Simple, transparent terms
- Dedicated funding representatives
- Digital-first application and documentation process
- No collateral requirements for qualified businesses
Since 2015, we’ve helped thousands of businesses across dozens of industries capitalize on growth opportunities with timely funding solutions.
When your business faces its next big opportunity, will you be ready to move quickly? Visit DeltaCapitalGroup.com/apply-now or call (877) 230-1525 to speak with one of our funding specialists today.
This case study is based on an actual Delta Capital Group client. Name and specific details have been changed to protect client privacy, but the funding timeline, process, and outcomes accurately represent typical client experiences.
