Welcome to OPTIMUS Financing

The All in One Financing Solution Designed for HVAC Contractors

When it comes to financing, matching the right finance program for a diverse customer base can be burdensome. For that reason, EGIA developed OPTIMUS. Designed for every HVAC dealer, from a single person shop to the largest mega dealers, OPTIMUS is the platform to help you become more profitable.

OPTIMUS eliminates the “NO” by providing a single application process for ALL of the leading lenders on our program. Providing a single application process for virtually ALL of the current lenders on our program, OPTIMUS smartly sends the customer to the right lender, based on credit profile and the financial products you choose to offer. No more transitioning to a second program, or having to overcome a denial. OPTIMUS gets you to “YES” quickly and seamlessly.

OPTIMUS uses Soft Pull technology to quickly help a customer get to the right lending partner and the right products. This will virtually eliminate the need for multiple applications and multiple credit pulls for customers, all the while delivering 90% approval rates for your business. All in just seconds.

Most importantly, OPTIMUS with its state-of-the-art Soft Pull technology will help CLOSE MORE JOBS!

Partnering with the most reputable, innovative lenders in the HVAC industry, OPTIMUS delivers multiple finance programs that cover a wide range of credit profiles into One Single Application. OPTIMUS is by far the easiest and fastest process for customer credit approval and project funding.

Our best in class lending programs are tailored to fit the needs of the HVAC industry. We understand that there as many sales processes and team structures as there are HVAC contractors. So, we interview each dealer independently in order to assess their needs, regardless of size. We then help select the best OPTIMUS pathway, ensuring financing success, and company sales growth.

By offering programs with advanced technology, promotional pricing, and a single access point to all consumer underwriting (Prime, Sub-prime and Lease to Own options), OPTIMUS delivers the tools and process equipped to grow your business through the use of finance.

All of the programs are delivered directly to you in one seamless integrated platform: OPTIMUS

OPTIMUS, the exclusive finance platform from EGIA Finance, leads the industry in lender connectivity and one-on-one support. We provide you with in-depth contractor finance training, a finance call center for program related questions, and ongoing sales consultations at no cost to you.

Please choose an option on the left


Optimus’ prime lending programs are designed to deliver an over 70%+ approvals rates, while offering industry best promotional programs and terms. Prime programs offer “No Payment”, “No interest” or “Low Payment” solutions that customers prefer. Many of these programs have reduced interest rates, as well as terms that go to 15 years.


OPTIMUS offers a fully-integrated subprime, second look product originated and serviced for customers who do not meet the credit requirements of our primary lenders. The program can accommodate FICO scores to 580, while still offering Same-As-Cash loans, Reduced interest Loans and even Traditional Installment Loans. Our exclusive EGIA pricing is absolutely the best in the HVAC industry.

Lease To Own

The OPTIMUS lease option is designed to approve customers with challenged credit. This option makes paying for an HVAC installation more affordable for the budget conscious with no risk for the contractor. Our industry leading program maintains ownership of the leased HVAC equipment until fully paid by the customer.

Schedule a Consultation

Consumer financing doesn’t have to be confusing and overwhelming. Our mission is to help you find the right finance program to fit your business. Our experts will work directly with you to choose a lending pathway, learn marketing strategies, and incorporate sales processes that will help you generate more revenue.

Enroll Now

EGIA Finance makes enrolling in OPTIMUS easy. Many of the financing options require similar information and business documentation in order to enroll. EGIA Finance offers a central enrollment hub for contractors and acts as the liaison between the contractor and our lending partner during the contractor enrollment process.

Enroll Now