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Marlin lets contractors offer affordable financing to their commercial customers, so they can make the equipment purchases they need.
HVAC/R Commercial Lending that Works
Flexible financing and same day approvals for contractors’ customers can help them close more and bigger jobs
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What is PEAC Solutions?
PEAC Solutions is a publicly traded (NASDAQ: MRLN) equipment finance company that specializes s in small business lending; and has an entire team dedicated to commercial HVAC financing solutions.
How much does it cost me to offer commercial financing?
There is no cost for you to offer commercial financing plans through PEAC Solutions.
How do contractors get paid?
Depending on the payment plan that you’re approved for at the time of application, you can get 100% payment upfront, 50% advance payment or payment in full upon delivery and installation. All payments are typically made within 24 hours of agreement execution and/or installation via ACH.
What are the requirements to be eligible to offer financing through PEAC?
To be approved by PEAC, you must have been in business for 2 years or more.
- For anyone who has been in business for under 5 years or has under 10 employees, PEAC generally asks for a personal guarantee; plus they typically look for a credit score in the range of 620 or higher.
- For businesses that are 5 years or older with 10 or more employees, PEAC will generally make a business lending decision from companies' Dun & Bradstreet report, where they'll be looking for a comparable borrowing and that their bills have been generally paid close to on time, with a Paydex score of 60 or above.
How long does it take PEAC to process my application to offer commercial financing?
Approval decisions can be instant but are typically made between 2-4 business hours.
What happens once I’m approved to offer financing through PEAC?
You must book and complete your onboarding call with the Credit for Comfort team and get a walkthrough of how to offer commercial financing from the platform. Plus, you’ll also be contacted by a member of the PEAC team to complete a brief training kick-off call.
Top Customer FAQs
What are the PEAC's approval requirements for commercial customers?
Eligible customers must have been in business for 2 years. Additionally, for customers in the non-profit and church sectors, PEAC typically requires that they've been in business 5+ years.
How much can my customers finance through PEAC?
The minimum amount businesses can finance is $1,000 and the maximum is $1 million.
How long does it take to get a customer approved?
About 50% of applications get approval decisions instantly. The other 50% require manual review by a credit officer and will typically get approval between 2-4 business hours.
What can be included in the financed amount?Â
Everything associated with the job is eligible for a commercial loan, including all HVAC/R equipment, IAQ products, accessories, ductwork, controls & automation systems, installation costs, maintenance, warranties, service plans, crane rental, freight, and sales tax.
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