Need Help with HVAC Financing?


FTL Financing

FTL Finance helps thousands of homeowners by giving them the resources they need to complete much-needed remodels and repairs — all without breaking the bank.

How FTL Works for You...

  • Fast and easy application
  • Approvals based on your financial situation, not just your credit score
  • No prepayment penalties​
  • No default rate for missed payments​
  • Committed support team
  • Online account management and payment options

Financing Made Simple

FTL is here to support you with fast and easy registration, simple financing options for every budget, and incredible customer service for both contractors and homeowners. We handle the nitty gritty when it comes to financing — from estimates to pre-screens to approvals — so you can take the worry out.

Click Here to Apply


Michigan Saves

Michigan Saves is a national nonprofit green bank designed to help residential homeowners get the financing they need for improvements. They understand the power of clean energy sources and want homeowners working with Yates Heating and Cooling to have access to their benefits. If you are interested in making your home comfortable and energy-efficient, Michigan Saves is there to help you.

How to Qualify for HVAC Financing in Michigan

If you need financing for HVAC systems call us at 248-965-0370 to speak to one our specialists for more information and they will walk you through the process:

  • We will provide you with an estimate on qualifying home energy improvements.
  • We will email or text you a link to apply for online financing. When completing the application, please enter our contractor ID number – 203260.
  • Once your loan is approved, please contact us and we will schedule a time to get right to work!

Home Improvement Projects Covered in the Michigan Saves Program:

  • HVAC Systems
  • Heating Systems
    • Boilers
  • Cooling Systems
  • Air Sealing
  • Water Heaters

Available Programs.

Applying for a Michigan Saves loan is easy, so you can get started on improving your home’s energy use right away.  

0% Residential Financing Program

  • When completing the application form, please select Dort Financial Credit Union or
  • Genisys Credit Union the 0% program code can be applied.
    In the loan application please enter program code 9012
  • You can borrow from $1,000 – $50,000 with flexible terms between 1 and 15 years.

Standard Program

  • Please speak to one of our specialists for current rates
  • You can borrow from $1,000 – $100,000 with flexible terms between 1 and 15 years.

For more information, call one of our Yates Heating and Cooling specialists at 248-965-0370 and they will send an informational flier.