Freedom of Choice

You choose the loan options that make you most competitive. There are no pre-selected menus.

Upfront Pricing

There are no merchant or hidden add-on fees.

100% Financing

We have been offering 100% financing for over 100 eligible home improvements, covering virtually everything you do.

Quick and Easy

We provide an online loan document delivery and e-signature process to get you paid faster.

Immediate Success

Quick activation, comprehensive training and the industry's best support teams help assure instantaneous sales success.

Online Tools

EnerBank's exclusive online tools help you manage applications and track results.

No Upfront Contractor Application Fee

There's no fee to enroll and get started going through Honest Guys Heating & Cooling, Inc.

Easier Way to Pay

If you’re looking for ways to cut heating and air conditioning replacement costs, carefully consider everything involved – including how you choose to finance your project. Your aim is to balance costs with quality, and come out with a home improvement that lasts. Keep in mind that what’s cheapest in the short-term may prove to be more expensive if the materials or workmanship falls apart.

Free Estimates

We help you make the right decision,

All roads leads to us...


FTL Finance

FTL Finance offers convenient fixed interest rate financing for residential HVAC (heating, ventilation, and air conditioning) equipment purchases. Their outstanding customer service provides rapid turnarounds and fair evaluations of entire credit histories, not just score.

FTL Finance specializes in lease financing of HVAC equipment for residential properties since 1996.  By working with contractors across the country they have built a rapid response financing system customized to our customers needs.

With financing from FTL Finance, you’ll enjoy:

  • Easy Approval Process.

  • Service Work financing.

  • Finance $1,000 - $35,000 using the Finance Lease option.

  • Finance $300 - $35,000 using the FTL ESC Card.

  • Fixed interest rates.

  • Fixed terms.

  • Pay your bill online, over the phone or by mail.

  • Friendly customer service team.

Honest Guys Heating & Cooling is pleased to offer our customers the convenience of applying for financing right here, right now.

Simply click the link below or on the pic above to apply directly via FTL's Financing encrypted secure server.

Click Here to Apply