BMS Heating Cooling & Refrigeration 304-437-2023
BMS Heating Cooling & Refrigeration 304-437-2023
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HVAC systems are responsible for maintaining comfortable operating temperatures and good air quality in your home. A poor HVAC system results in homes that are too hot, too cold, and/or have poor air quality and costly to you. Depending on the ventilation, a poor HVAC system can even be unhealthy to occupants. So a good HVAC system is paramount. Yet, they can be expensive, so finding an equipment financing company experienced in HVAC financing is advantageous.

 We understand the need for a good HVAC system, and we’ll work with you to get you the best one possible. With our easy application process, call us 304-437-2023 to learn more about our HVAC financing options, and start breathing easier today.

Finance options for home and commercial  

When Cold and Hot weather is upon us, we hope nothing goes wrong after a long, Season of sitting idle. Furnaces, AC. boilers, heat pumps, and radiators need to be able to work hard under difficult conditions, running constantly as outside temperatures change. Unlike water heaters, which run year-round to provide hot water for drinking, cooking, bathing, and more, residential and commercial heating systems get to take the warmer seasons off. While that might sound appealing to a human, machinery of all varieties works best when it is kept in frequent service, and long periods of inactivity can lead to HVAC equipment failures, often when heat is most essential.

When HVAC equipment returns to regular service after prolonged dormancy, components and machinery that suddenly must work at full tilt can show signs of trouble – or unexpectedly fail completely. Sitting idle causes the lubricants in bearings to dry up, dissipate, and fill with dust, which can seize or burn out the motors in heat pumps, blower fans, and duct valves. Pilots and igniters can become corroded, preventing ignition to gas and oil furnaces, and corrosion can obstruct water passages, regulators, and relief valves in forced steam heating systems, causing leaks, poor heating, and dangerous buildup of steam pressure. Any one of these conditions, especially coupled with the normal wear and tear of age and regular use, can take the HVAC system in your home or business offline when you need it most, and can result in a significant unexpected expense.

Heating system repair simply isn’t something you can put off dealing with. Not only would an unheated workplace quickly become unsafe, and an unheated dwelling uninhabitable, but other costly problems would soon arise, like frozen and burst water pipes. When your home or office loses heat, you’ll be making an emergency repair whether you are prepared to or not – and if you own residential rental property, by law you must make repairs immediately for the safety of your tenants.

The cost of a new furnace or heat pump can be significant, and the immediate nature of the repair can force you to make difficult choices. Nobody wants to cancel holiday bonuses for their staff or tell their kids that Santa isn’t coming this year – and depleting your cash reserve would leave you in dire straits in the event of another unexpected expense. Fortunately, you can replace your faulty HVAC equipment quickly without getting blindsided by the upfront cost. Financing your new furnace, heat pump, or boiler through a company like TimePayment can keep you warm and safe in your home or business, and your emergency fund intact in the bank.

TimePayment finances all kinds of HVAC equipment for businesses and homeowners, and in many cases we can get you a credit decision instantly and funding for your new equipment the same day, saving you valuable time when every second counts. Rather than shouldering the burden of an emergency repair bill when you least expect it, financing your equipment lets you pay for it over time in manageable installments, preserving your capital for normal expenses and savings.

With HVAC equipment financing from TimePayment, replacing your hardest-working home and commercial heating systems is easy to handle, so remember to have your equipment inspected and serviced every year before winter sets in. Replacing heating system components near the end of their service lives with reliable new units financed through TimePayment averts emergencies and lets you plan your budget without worry, leaving you free to spend that holiday bonus warming yourself on a tropical beach instead.

To learn more about , the financial products available to you, and how you can stay warm this winter without burning through your savings, contact BMS today  .




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Heating Equipment
  • Boilers
  • Oil & Gas Furnaces
  • Infrared Heaters
  • Radiant Heat Systems
  • Steam & Hot Water Heaters
  • Registers & Radiators
  • Heat Pumps
  • Direct Vent Furnaces
  • Floor Heaters
  • Duct Furnaces
Air Conditioning Equipment
  • Rooftop Cooling Units
  • Window Unit A/Cs
  • Split Systems
  • Central Air Systems
  • Water-Cooled Chillers
  • Packaged Air Conditioners
  • Whole-House Systems
  • Energy Star Appliances
  • Grounded Unit Coolers
Ventilation Equipment & Tools
  • • Turbine Ventilators
  • Air Exchangers
  • Exhaust Pumps
  • Range Hoods & Wall Hoods
  • Roof Ventilators
  • Exhaust Fans
  • Restaurant Exhaust Hoods
  • Evaporative Coolers
  • Heat Recovery Ventilators
  • Air Duct Cleaning Systems


Service areas: Hurricane, Winfield, Scott Depot, Teays Valley, Eleanor, Buffalo, Red House, Poca, Nitro, St. Albans, Cross Lanes, Culloden, Milton, Barboursville, Hamlin, Point Pleasant,  Huntington, and Charleston.

Use your home equity to finance the HVAC. You can borrow against the difference between your home's value and what you owe on it with a home equity loan or home equity line of credit. A home equity loan is a one-time draw, while a home equity line of credit works like a credit card. Your loan is limited to 75 percent to 80 percent of the equity. If you have $10,000 in the home, you can use up to $7,500 to $8,000 to buy the system. You pay less interest with loans against your home than dealer or store-connected credit cards. Borrowing against your home makes your HVAC purchase tax deductible, but you can lose your home and the HVAC if you fall behind.


Consider a home improvement loan backed by the Federal Housing Administration. According to Energy Star, your HVAC replacement is a home improvement for which you can get FHA financing. The federal government has rolled out a pilot PowerSaver program targeting those who choose energy-efficient HVAC units, typically those with the Energy Star label. Both the traditional Federal Housing Administration and the pilot programs let you borrow up to $7,500 without putting up your home as collateral, but you must have home equity to participate in the PowerSaver program.



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