Financial Control for HVAC Companies Scaling to $2M+
Finity installs institutional-grade financial systems for owner-led HVAC businesses between $800K and $2M. We focus on truck-level economics, labor control, and decision clarity.
Most $1M HVAC Companies Are Operating Without Financial Infrastructure.
Revenue growth hides structural weakness.
A $1.4M top line does not mean the business is healthy.
A 45% payroll line does not mean labor is under control.
What matters:
Fully loaded labor cost per technician
Revenue per truck
Gross profit per job
Weekly cash runway
Hiring capacity relative to margin
Most companies at this stage track these monthly, if at all.
By the time it shows up on the P&L, the damage is done.
Scaling without truck-level economics creates volatility, not enterprise value.
We Install Control at the Truck Level.
Labor Structure Analysis
We calculate true fully burdened labor cost including taxes, workers comp, drive time, callbacks, and non-billable hours.
Most owners underestimate this by 5-10%.
Truck Economics Model
We build a revenue-per-truck framework that defines:
• Required gross profit per truck
• Capacity limits
• Pricing guardrails
• Hiring thresholds
Growth becomes mathematical, not emotional.
Weekly Financial Oversight
We implement:
• 13-week rolling cash forecast
• KPI dashboard
• Payroll containment thresholds
• Capital allocation framework
Decisions are made from data, not pressure.
Who gets the most value from working with us?
IS THIS RIGHT FOR YOU?
We are not built for every HVAC company. But if any of these sound like you, we should talk.
Revenue Up. Cash Tight.
Revenue is growing, but owner pay feels inconsistent. Payroll floats between 40-55% and you cannot clearly explain where margin is going.
Payroll Feels High, But Don’t Know Why
You know payroll is heavy, but you can’t separate: True labor burden, Unapplied labor, Drive time, Callback drag, Underperforming trucks
Adding Trucks Without Clear Targets
You’re adding techs or trucks without knowing: Weekly revenue per truck, Cost per billable hour, Break-even levels, Whether capacity is profitable
Stuck Around $1M
Revenue hovers around the same range year after year. You know there is leverage, but don’t know which lever moves the business forward.
Don’t Fully Trust the Numbers
QuickBooks says one thing, while your field platform says another. You are making hiring and pricing decisions on incomplete data.
You Want Control, Not Just Reports
You want to know: What to fix this week, When to hire, How much each truck must produce, What margin discipline looks like
Identify the Hidden Labor Drag Inside Your Business.
Most HVAC companies have $5,000–$12,000 per technician in unrecovered labor cost.
Request a structured Labor Leak Report.
What We Calculate:
Fully loaded cost per technician
Cost per billable hour
Unrecovered labor per month
Required revenue per truck
Payroll containment threshold
About the Founder
I’m Caelin, and I don’t care about your tax returns as much as I care about your Truck Economics. Finity Financial Group was built for the owner who is tired of "Accountant Speak" and wants a financial partner who understands the chaos of a scaling trades business. I don't just "do the books", I build the map to $10M.